Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 approximately XX/XX/XXXX I received an alert from a credit monitoring app that informed me that a collection from XXXX XXXX XXXX on behalf of XXXX XXXX, in the amount of {$500.00}, was added to my Transunion credit report. I immediately submitted a dispute regarding that collection that had been added to Transunion credit report. My dispute to Transunion was based on the fact that I had filed bankruptcy chapter XXXX and was discharged on XX/XX/XXXX. In that bankruptcy, XXXX XXXX was included and I legally do not owe them any money or have any debts with them. Today, XX/XX/XXXX, I contacted Transunion by phone to get the status of that dispute, as 30 days had already passed. I spoke with " XXXX '', a supervisor in the specialized fraud department regarding the status of this dispute, who informed me initially, that the company still had until XX/XX/XXXX to complete their investigation and that 30 days had not passed. I immediately corrected him and informed him that 30 days had already passed and that he was mistaken. He then looked into a " different file '' and found the dispute that I was referring to and proceeded to tell me that the company, XXXX XXXX XXXX, had verified the information as accurate. I responded that how could Transunion have verified that information because if they had, they would know without a doubt, that the initial debt to XXXX XXXX was included and discharged within my chapter XXXX bankruptcy last year. XXXX responds that Transunion did not do the investigation themselves, that they sent information to XXXX XXXX XXXX who investigated it and came back that the information was verified. I then immediately questioned how could they allow a company that I have a dispute with, to investigate themselves? XXXX responded that " that's how the process works ''. He then asks if I had contacted XXXX XXXX XXXX myself and I responded that I had. He then he goes on to say, " well, maybe you should contact them again because we are just a credit reporting agency ''. I then respond that they are a credit bureau who are allowing a collection agency to put fradulent, inaccurate information on my credit report in violation of my rights, particularly under federal bankruptcy laws. I also said that it makes no sense that Transunion would allow a company that I have a dispute with, to investigate and verify incorrect information about themselves. I said that on Transunion 's website, it clearly states 'Transunion XXXX would conduct an investigation into inaccurate / fraudulent information, not that they would send the concerns to the collection agency in question and allow them to investigate themselves. I told him that I would be making a complaint to Consumer Finance Agency, he replied, " okay '' and we ended the call.

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