Consumer complaint received 2016-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
TransUnion received my initial dispute on XXXX/XXXX/2016 ( sent via certified return mail receipt ) for items on my credit report. On XXXX/XXXX/2016 I later mailed out different disputes for entirely different accounts. TransUnion sent me a letter stating that they received additional information from me and that they are allowed to take an additional 15 days to investigate. The additional information they received was not 'additional information ' as it did not pertain to any prior open dispute or investigation. As laid out in the Fair Credit Reporting Act 15 U.S. Code 1681 ( i ) subparagraph ( A ) - Procedure in case of disputed accuracy - the credit reporting agencies are obligated to " conduct a reasonable reinvestigation ... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. '' Subparagraph ( B ) allows for the Bureau to extend an investigation for a period not more than 15 additional days if " the consumer reporting agency receives information ... that is relevant to the reinvestigation. '' As stated previously, the disputes TransUnion received on XXXX/XXXX/2016 contained no relevant information to an open investigation ; therefore, according to the FCRA there exists no justification for extension of period to reinvestigate. 
On XXXX/XXXX/2016 I called TransUnion to dispute the letter of extension I had received. I was transferred to the Fraud Department handling my disputes where I spoke with a representative - who would only provide me with her first name, XXXX. I explained to her my issues with the letter and recited FCRA 1681 ( i ) ( A ) & ( B ). I requested that the additional 15-day investigation period be dropped immediately based on the regulations laid out in the FCRA. XXXX was adamant that they were within their rights and that investigation time frame can be extended based on the " additional information. '' When I requested to speak to her supervisor she would only respond, " I am the supervisor. '' After I got nowhere with speaking to a TransUnion representative, on XXXX/XXXX/2016 I filed a complaint through the XXXX website ( Complaint ID : XXXX ) and received a response from a XXXX XXXX ( see attached. ) In the letter it states that I provided TransUnion with information during a telephone conversation, thus allowing their bureau to increase the time to investigate my initial dispute to a period of 15 additional days. I do not recall any conversation with any TransUnion representative let alone one regarding an open dispute ; I know to wait out the 30 days. What information was provided and how was it deemed pertinent to any open investigation? When I call to request more information about said call it is not released to me. I never provided " pertinent '' information to TransUnion regarding any open dispute. 
As of today, XXXX/XXXX/2016, the investigation into my dispute is still open far past the 30-day investigation timeframe and my complaints to TransUnion have gone ignored and I can no longer get any detailed response to invalidate my dispute against the 15-day extension to a dispute investigation. I am requesting that this dispute be brought to a close and immediately removed from my credit report.

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