Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 I mailed a certified letter to XXXX requesting a method of verification for a previously disputed bankruptcy with Transunion on XXXX XXXX. Transunion advised that they confirmed bankruptcy XXXX was verified as accurate by this company and that I would need to follow up with them, as they are the company used to research public records. My first contact was made with a method of verification letter that was sent certified. I paid for certified mailing with The United States Postal Service so that I could have a tracking number which is XXXX XXXX XXXX XXXX XXXX and it confirms it was delivered and signed for on XX/XX/2021 at XXXX. XXXX failed to reply to my certified letter within the allowed time frame for a method of verification request. According to the FCRA, a company is allowed 15 days from the date of request to reply. 

On XXXX XXXX XXXX mailed me a letter that never responded to my first letter. Instead, it states In order for them to dispute the accuracy of the bankruptcy I would need to send a letter or email and include the basis for the dispute and all substantial information. This was already ready disputed with Transunion, and I did not request another dispute with XXXX. I requested a method of verification which I requested they send the evidence of how they verified this bankruptcy was mines. Instead of them responding with that information they deflected from doing so and sent me the attached letter. 

So I decided to reply to their response by email on XXXX XXXX and requested the same information. I again asked for a method of verification for the previously disputed bankruptcy with Transunion. In my email I asked once again for the company to provide what method of verification they used to confirm this chapter XXXX bankruptcy and advised that according to the FCRA, a method of verification is to be completed within 15 days of receiving the request. I advised that they failed to respond to the initial letter that was received on XX/XX/2021, within the 15 allotted days. I also advised that since they failed to respond that the inaccurate bankruptcy has to be deleted. 

On XX/XX/2021, they respond to my email and STILL failed to address my request that was sent via email again for the method of verification. Instead they replied with the attached letter, and stated they received my correspondence on XX/XX/2021 requesting to freeze my credit report. This company also replied with inaccurate information on the letter which I attached. The spelling of my name is inaccurate. They spelled my last name as XXXX and that is not correct. My last name is spelled as XXXX, and I will attach my driver license. 

They also has an inaccurate spelling of my address. They have my address as XXXX XXXX XXXX XXXX XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX. 

These are clear indicators that they have inaccurate information, and could have even possibly mixed my information with that of someone else. 

I never requested my credit report to be frozen. This again is another example of this company failing to respond to numerous requests for a method of verification. This company is refusing to reply to my request as I am sure they are unable to verify this inaccurate bankruptcy, therefore they are deflecting from responding to my method of verification requests. 

I have attached the email I sent on XX/XX/2021 which confirms I asked only for a method of verification, not a credit freeze. This company has violated my rights and I wish to file a complaint.

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