Consumer complaint received 2015-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this dispute against XXXX for violating [ 15 U.S. Code 1681i ( a ) ( 7 ) ]. I have copied and pasted that statute below. TransUnion has failed to provided me with documentation used to verify the items I disputed in my credit report after I requested that information. 

15 U.S.C.A. 1681i ( a ) ( 7 ) says : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

15 U.S.C.A. 1681i ( a ) ( 6 ) ( B ) as quoted above says : ( 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 availableBackground Information on my recent dispute with TransUnion : I did dispute items in my credit file with TransUnion and they did provide a timely response letting me know that they " verified '' the disputed items. Upon receiving the letter from them that said the items were verified, I sent another letter to them requesting information on the procedures they used to determine the accuracy and completeness of the information used to verify items I disputed. I have certified mail documentation evidencing that Equifax received that request on XXXX XXXX, 2015. 

TransUnion subsequently sent me a response and a credit file dated XXXX XXXX 2015, # XXXX. I received that on XXXX XXXX, 2015. Not only was that letter received AFTER the 15 day maximum requirement, that that letter did NOT provide me with ANY of the information used to verify the items in my credit file that I disputed as I requested. 

Instead, in that letter, TransUnion stated " Our investigation of the dispute you recently submitted is now complete. '' It appears to me that my request for the documentation used to verify the disputed items was totally disregarded. This obviously is a direct violation of the part of the FCRA that mandates that they must provide documentation used to verify items disputed, if requested by the consumer. 

I have been well within my rights to dispute items on my TransUnion credit report and request documentation used to verify the items disputed. In good faith, I expected TransUnion to respond by providing me with that documentation so I could better understand what is being reported and why in addition to the fact that the FCRA requires them to do so and in a timely manner. That was the last communication that I have received from TransUnion and they have failed to comply with XXXX U.S.C.A. 1681i ( a ) ( 7 ) to this day.. This is completely not fair to me and I am sure the CFPB also expects TransUnion to comply with ALL applicable laws in dealing with my dispute and others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation