Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have for months disputed erroneous information listed on my credit file to Trans Union. I asked for a 'description of procedure'/ 'method of investigation ' from them but all I ever received back from them was, 'verified as accurate and updated, dispute not specific/verified and updated '. They have never given me a clear explanation, description of procedure or method of investigation as I asked. 

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. 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.

According to Trans Union 'the item was verified as belonging to me and other account information has changed, or the item was updated to reflect recent activity '. I even sent them paperwork XX/XX/XXXX & XX/XX/XXXX showing where XXXX had deleted this because they couldn't verify/validate with evidence and Trans Union still refused. This is in clear violation of the FCRA. 

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX has deleted it and I sent you information, then it is Trans Union obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; What I think they are doing is not reading what I am sending in because they think this is some kind of form letter. I'm not sure why they are not looking at clear evidence and not doing their job. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. If an account is modified or deleted, the furnisher is supposed to send copies of its modification to EACH CRA with whom the data furnisher has a reporting relationship. This way all the NCRAs can meet their responsibilities to update the consumers credit files, where applicable. This is directly from that report and has not been done because I sent proof of this and they still didnt do it. 

All this correspondence I will be including for you as well. I had fraud on my account due to multiple social security numbers that were listed on my credit file with XXXX. I am including the letter I had asking them to remove that as well.

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