Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To whom it may concern, Please be advised this is the third time I have contacted your company, and you have still failed to delete the disputed account ( s ) your company could not verify. Despite two written requests, the unverified, derogatory items listed below remain on my credit report in violation of Federal Law.

I am concerned about the validity and accuracy of your recent investigation and re-investigation of disputed account ( s ). Thus, please explain to me how you conducted your investigation/re-investigation for each derogatory account listed in Exhibit C : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting these items as it legally should be reported.

2. What certified documents were reviewed to conclude your investigation and re-investigation?

3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation and re-investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation and re-investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If you reply YES to the above ( 6 ), then : a. Who did you speak with?

b. What date did you speak with the above referenced individual?

c. How long was the conversation?

d. What was their job title?

e. What is their contact phone number?

f. What is the name of your employee that spoke directly to the above party?

g. What is the job title of your employee that spoke directly to the above party?

h. How long has this individual been employed by your company?

i. What type of training was provided to this employee in order to investigate items of this kind?

j. Were there any emails or written communications between employees of your company and the above party?

8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation and re-investigation of the account ( s ) in question.

9. Please provide the date of the commencement of delinquency.

10. Please provide the specific date reporting of this item will cease.

The Federal Case Law states the following : Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That means that your company can not just verify my account by telling me its verified. See. FCRA 15 U.S.C. 1681 ( a ) ( 4 ).

Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account ( s ) in question. See. Exhibit C : ( attached ). A template response will not be an acceptable response. If you can not supply all of the information as requested above in section 1-10 in a timely manner as detailed in several  laws, including but not limited to the Fair Credit Reporting Act, I must demand the permanent removal of each of the disputed items from my credit report. 

I look forward to you immediate response.

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