Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
From XXXX of XXXX to now ( XX/XX/XXXX ), I have been challenging the validity of these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Loan { duplicate }, and XXXX XXXX XXXX ) and I did not want to go to this extreme but I have to make my voice heard. I have spent hundreds of dollars providing letters, ordering reports, paying to get letters notarized, sending certified mailing documents, even calling the reporting agencies to update this information. The credit bureaus only stated that my accounts was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate? The credit bureaus advised that the accounts were verified and accurate. They even added comments with the fact that it was updated and my investigation was complete last month. I have yet to receive a notice about it other than by my credit monitoring service. If the investigation proved the validity of those accounts, why does my report look the same? With the inaccurate reporting at that. Secondly, I never received a description of their procedure used to determine the accuracy and completeness of the accounts. This is grounds for removal because they also violated my rights under : 15 USC 1681 section 602 A states that I have the right to privacy. Per 15 U.S. Code 1681- Congressional findings and statement of purpose, ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

15 USC 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.

I was not notified about any of the such above, nor was I provided details of the investigation that I requested. They have completely violated my rights as a consumer.

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 non-monetary relief