Consumer complaint received 2016-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
To whom it may concern : I have sent a certified letter to Transunion requesting to reinvestigate and provide physical documentation on negative line items on my credit report, which they have received my request on Wednesday, XXXX XXXX, 2016. In my letter, I have requested explicitly to provide verifiable disclosures about these negative items. Transunion have not executed my request properly and not within the time slotted amount of 30 days, which I have received on Tuesday, XXXX XXXX, 2016 I have called and spoke to a representative from Transunion at XXXX named XXXX XXXX on Friday, XXXX XXXX, 2016. First, I have requested documentation that Transunion sent to me this information within the XXXX period, such a tracking number. She informed a letter was printed on Thursday, XXXX XXXX, 2016, but I did not receive this information until Tuesday, XXXX XXXX, 2016. Also, I asked do you have verifiable proof such as have confirmed that Transunion did not collect the requested information. 

Transunion has violated of XXXX laws under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] and 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. Therefore, Transunion must delete these derogatory accounts immediately from my credit report due to these violations. 
Transunion did not send respond with the 30-day period stated in the Fair Credit Reported Act. 
Transunion did not conduct a proper reinvestigation while not provide documentation to me as the consumer 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and 609 - 15 U.S.C. 1681g 37 the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

Attached, to this complaint are supporting documentation : A sample copy of the letter I have sent on Thursday, XXXX XXXX, 2016 Certified Mail Receipt Proof of delivery A reply from Transunion that was printed, but not received on XXXX XXXX, 2016

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