Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent Trans Union a certified letter requesting them to reinvestigate a Bankruptcy that appeared on my credit from XX/XX/XXXX. The letter was delivered on the XXXX of XX/XX/XXXX. Enclosed was new documentation that I had received from the courthouse and a vendor called XXXX XXXX that they use to verify bankruptcies. Back in XX/XX/XXXX I had done a dispute with XXXX XXXX in regards to the bankruptcy. On XX/XX/XXXX XXXX XXXX had determined the bankruptcy was unverifiable so they deleted it from their consumer report. They issued me a copy of there results in the first week of XX/XX/XXXX. I forwarded the two letters from XXXX XXXX and the letter that I received from the Courthouse. The letter from the courthouse stated that they don't release or give any information to third party companies. I rsent the letter from the courthouse because in late XX/XX/XXXX I spoke with 2 agents from Trans Union and they stated they spoke to someone from the courthouse but couldn't verify the person 's name, the time of day they spoke to them. When hearing this information I decided to request for a description of procedures and wanted a complete and full investigation done because they stated that they verified the bankruptcy on XX/XX/XXXX. In the first week of XXXX I received a letter from Trans Union, stating that they were not authorize to reinvestigate the dispute because it was previously investigated and that they only way they would reinvestigate is if I sent additional information and documentation. I was confused because I sent them additional documentation supporting evidence from the courthouse and the response from XXXX XXXX. I was also confused because the agents that I spoke to on XX/XX/XXXX told me that the bankruptcy was verified from the last dispute. I never received any dispute results, instead they only sent me a credit report. On XX/XX/XXXX I received a letter from Trans Union which was very vague. They only explained how general investigations work but never gave me any information related to the bankruptcy. They never provided points of contacts, dates that they contacted, who the contacted, or vendors that they used with there addresses. The only address that they gave was the courthouse address which I already know the courthouse is not responding to Trans Union. Trans Union continues to violate FCRA 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 7 ) and Section ( 5 ) ( A ). Firstly, the FCRA states that Trans Union must go to the Original Furinsher. They did not. They hired XXXX XXXX to do it. Now when XXXX XXXX says they are wrong and provides the correct, they still don't fix the problem. Lastly they continue to lie and say the courthouse gave them in information when the courthouse as already made there statement in a letter that I received. They don't even send out results anymore to me. Thus problem needs to be addressed and deleted. Right now it seems they don't have anything verifying it to me and they are using stall tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation