Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 mailed in a dispute letter along with supporting documents that was delivered on XX/XX/2021 and today XX/XX/2021 I did a follow up call regarding the dispute. I spoke to XXXX and asked her have my dispute been reviewed as I don't see any changes in my report, she did the verification of me and proceeded to ask me about the dispute. I offered to give her the tracking number that is on the letter because she seemed not to know anything about it even though it has been delivered and signed for. XXXX began to tell me she see a dispute for XXXX XXXX that was disputed and came back verified on XX/XX/XXXX. At this point I explained to her how can an account come back verified from that creditor when in fact, I enclosed with my dispute letter Validation letter, DEFAULT letter, ( the creditor did not respond ) copies of my XXXX XXXX credit reports that shows the discrepancies and certified mail receipts that shows they were delivered to the creditor on XX/XX/2021. In addition to, her telling me that I told her how can Transunion continue to report an account that has not been Validated by the creditor and all parties has a part in this process, there are LAWS THAT HAS TO BE FOLLOWED and clearly the creditor has not followed the LAW. I asked her how did the company dispute the account, did they put it through the e-oscar machine she said YES, that's when I told her that's the reason the disputed accounts gets verified because when a consumer disputes online and even in this case they put the dispute through the same machine that already have been introduced to the accounts by the creditor and that's not investigating the dispute according to the CFPB. I asked her why haven't. they sent the creditor the information to investigate the dispute accurately to determine the accuracy and completeness of the account. She had nothing to say, seems like this is the company regular routine when it comes to disputing consumers account ( s ). Now she tells me the account is in dispute and it takes 30 days. That's is not what's showing as being disputed only two accounts at this time is actively being disputed and that is Dept. Of Education is what I told her as I am on the website looking at my credit report. I told her no way I should have to wait additional 30 days when in fact she has the documents showing the creditor did not respond to my Validation letter after me waiting 30 days IT'S NOT THE WAY THE PROCESS GOES. According to CFPB, the creditor has 30 days ONE TIME, not TWO and THREE TIMES to VALIDATE THE DEBT and within the FIRST 30 DAYS if the account is not verifiable IT HAS TO BE REMOVE according to CFPB. Clearly that's not what is happening here. I then ask her what is the creditor going to send back to Transunion that it didn't send back to me when I disputed the same account back in XXXX she repeatedly keep telling me it's going to take 30 days. I then asked her did my second certified mail has been reviewed that was delivered on the XX/XX/2021 she asked me what was it for, like XXXX I didn't pay for postage to wait for it to be delivered to call and go over what the letter says, she was very argumentative after me telling her the rules and LAW THAT THEY ARE NOT FOLLOWING and CFPB needs to know about it, I asked her to let me know if my second certified mail has been reviewed and she had no clue so of course I told her what the letter stated which was a file disclosure of a particular account and she says that's been disputed as well. I DID NOT DISPUTE THIS ACCOUNT AS OF YET and I wanted to know when was the First Date Of Delinquency, she began to tell me so I interrupted her saying this is not the way to do it, also had to tell her when the creditor submit a account to be reported on the creditor report Transunion has a duty to make sure the info is COMPLETE and ACCURATE before they go reporting it to someones report, when a consumer disputes anything on they credit report it's Transunion duty to make sure the company investigate the dispute accurately before the bureau take it as VERIFIED and ACCURATE. This is not EXCEPTABLE AND UNFAIR TO ME AS A CONSUMER, In addition to its a DEFAMATION OF MY CHARACTER, IT'S BEEN TO LONG DISPUTING THIS SAME ACCOUNT, IT'S VERY STRESSFUL AND HAS BECOME A BURDEN ON ME, and this account needs to be DELETED IMMEDIATELY.

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