Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have new & updated information on TRANSUNION. On XXXX TRANSUNION sent me correspondence via mail stating theyve verified the information inside of my identity theft report ( see attached file ). TRANSUNION is using a computer generated system to verify this information. TRANSUNION stated in their correspondence that they previously completed an investigation & verified the information and are not required to reinvestigate the same item ( s ) at this time ( see attached file ). Thats completely unlawful because TRANSUNION nor the furnishers of the information ( XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX ) provided me with the scope of the investigation. I demand to see the procedure TRANSUNION used to determine the items in my identity theft report to be complete & accurate. As well as the permissible purpose TRANSUNION has to furnish this report by sending me the ORIGINIAL contract/instrument bearing my signature, written Instruction from I the consumer, or a court order showing my obligation to pay the alleged debts being advertised on my consumer report. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) ( iii ) TRANSUNION has a duty to provide me a notice that, if requested by the consumer ( which Im requesting ), a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, INCLUDING the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. As you see, federal law states that TRANSUNION has to provide me the full DESCRIPTION of the investigation procedure. In TRANSUNIONs correspondence they only provided me the names & addresses of the furnishers but failed to provide me the actual description of how TRANSUNION is verifying the item ( s ) in my identity theft report. TRANSUNION stated unless I have additional information they will not look into my complaint. I have since then provided additional information along with a Federally approved Identity theft report from the FTC that regulates TRANSUNION.

I would like to also add that before I submitted my identity theft report XXXX deleted the same item ( s ) because they couldnt verify the information. This would further TRANSUNIONS willful noncompliance. Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX partook in the same exact investigation with the same furnishers of information and deleted the accounts. TRANSUNION knowingly or should have known that the accounts were indeed inaccurate & unverifiable according to the automated system.

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 non-monetary relief