Consumer complaint received 2021-03-22
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: Was not notified of investigation status or results

Complaint:
I have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In the final letter on XX/XX/XXXX I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. If these Items aren't removed immediately I will file a suit against the bureau. 

Creditor : XXXX XXXX, Account : XXXX Reason : Account was paid on time, Please update to paid as agreed Creditor : XXXX, Account : XXXX Reason : Account is reporting inconsistent and inaccurate I asked that this account be verified but you obviously did not do that. This account needs to be removed from my credit report immediately as it is reporting many inaccurate things. Including the balance the high balance the last reported and the last active date. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), Account : XXXX Reason : Account is reporting inconsistent and inaccurate Account is reporting inconsistent and inaccurate I asked that this account be verified but you obviously did not do that. This account needs to be removed from my credit report immediately as it is reporting many inaccurate things. Including last reported and the last active date. 

Creditor : XXXX, Account : XXXX Reason : Please verify this account Account is reporting inconsistent and inaccurate I asked that this account be verified but you obviously did not do that. This account needs to be removed from my credit report immediately as it is reporting many inaccurate things. Including last reported and the last active date. 

Creditor : XXXX XXXX, Account : XXXX Reason : Account was paid on time, Please update to paid as agreed Creditor : XXXX, Account : XXXX Reason : Account is reporting inconsistent and inaccurate I asked that this account be verified but you obviously did not do that. This account needs to be removed from my credit report immediately as it is reporting many inaccurate things. Including the balance the high balance the last reported and the last active date. 

Creditor : XXXX, Account : XXXX Reason : Account is reporting inconsistent and inaccurate Creditor : XXXX  XXXX Account : XXXX Reason : Account is reporting inconsistent and inaccurate Creditor : XXXX, Account : XXXX Reason : Account is reporting inconsistent and inaccurate Creditor : XXXX, Account : XXXX Reason : Account is reporting inconsistent and inaccurate I asked that this account be verified but you obviously did not do that. This account needs to be removed from my credit report immediately as it is reporting many inaccurate things. Including last reported and the last active date. 

Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Account is reporting inconsistent and inaccurate Creditor : XXXX  XXXX Account : XXXX Reason : Account is reporting inconsistent and inaccurate

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