Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THIS IS IN RESPONSE TO TU REPLY TO MY INITIAL COMPLAINT # XXXX-XXXX  THEY REPLIED " After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX ''. 

THE FUNNY THING IS THIS WAS NOT THE SUBSTANCE OF MY COMPLAINT. THE SUBSTANCE OF MY COMPLAINT IS TU DID NOT START A INVESTIGATION AFTER RECEIVING MY COMPLAINT AND SUPPORTING DOCUMENTATION. 

AGAIN MY INITIAL COMPLAINT AGAIN READS AS FOLLOWS : On XX/XX/XXXX I submitted a dispute letter to Transunion stating and labeling specific inaccuracies with a Negative Account named XXXX XXXX  - XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation started into my disputes at all. The original dispute letter which I uploaded to this complaint along with the supporting documentation proving and showing inaccuracies for the negative account XXXX XXXX. This is the same information I mailed to Transunion on the XXXX this has been well over 30 days and as of the 31st day Transunion is in violation of the FCRA as it pertains to the dispute process as well as inaccurate and false reporting. Now to get to the nature of my dispute XXXX XXXX XXXX. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. Ex- {$5800.00}, TU- {$0.00}, EQF- {$5300.00} 3. Reporting 3 different Balance amount, XXXX, TU- {$0.00}, XXXX- {$5800.00} 4. Date of last payment is not the same across the 3 Credit Bureaus. By looking at the documentation I submitted. These are just some of the multitude of errors that I disputed specifically and no investigation was ever started.. A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSIONS OF SUPPOSEDLY THE SAME ACCOUNT TO 3 BUREAUS 3 DIFFERENT WAYS. It's obvious that Transunion did not start, complete or do a thorough investigation, and did not rely on any of the proof that I sent them. Nothing was ever initiated by TU on XXXX and that is a fact I can prove. IN MY COMPLAINT # XXXX NOWHERE DID I ASK FOR TU TO START A NEW DISPUTE. THEY HAD THEIR CHANCE AND DID NOT START IT ON XX/XX/XXXX AFTER SIGNING FOR MY DISPUTE LETTER VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX AT LOCAL POST OFFICE AND TAKING IT INTO THEIR POSSESSION. ONCE AGAIN THIS FACT CAN BE PROVEN. 
BESIDE THE FACT I WILL BE TAKING LEGAL ACTION BECAUSE I CAN PROVE THIS DISPUTE VIOLATION AS WELL AS OTHERS. 
I STATED THE ONLY RESOLUTION WAS FOR IMMEDIATE DELETION FOR THEIR VIOLATION OF DISPUTE PROCEDURES CLEARLY SPELLED OUT IN THE FCRA. THERE IS NO OTHER SOLUTION FOR THIS COMPLAINT OTHER THAN IMMEDIATELY DELETION OF ACCOUNT XXXX FCU - XXXX OR THERE REGISTERED AGENT WILL BE SERVED

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