Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Greetings & To Whom It May Concern : **Certified mail slips purposely left out due to upload restrictions. Available upon request. ** Upon sending inquiries via certified mail ( with confirmation stating it had been received ) to Transunion, XXXX, XXXX XXXX XXXX to request removal of inaccurate information on my consumer report, as well as proof requesting all information was valid - I received notices alleging all information was accurate, and my accounts were properly investigated but this is not factual, which has prompted me to reach out in hopes of gaining assistance. 

The multitude of inaccuracies on my reports are as follows : Personal Information - at least 5 inaccurate errors - Also Known As - Date of Birth - Current Address - Previous Address -Employers Debt Collection Agency -XXXX  - over 100 inaccurate errors -Creditor Name - Account Type -Account Type Detail -Bureau Code -Account Status - Monthly Payment -Date Opened - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - Two Year Payment History This is a serious matter constituting action for removal. 

I am reaching out with the intention to obtain support for rectification, as these actions have negatively affected my ability to apply for credit, successfully purchase a home, and have led to limitations with my overall credibility. 

Ive respectfully asked for this information to be removed from my account, and as of my latest consumer report from XXXX XXXX, the changes have yet to be made. 

TransUnion has been aware of this dispute regarding the accuracy of this information since XX/XX/2022 at XXXX XXXX with USPS tracking # XXXX. 

XXXX received the notice of personal information update from me on XX/XX/2022 at XXXX XXXX  with USPS tracking number # XXXX. 

XXXX received the notice of personal information update on XX/XX/2022 at XXXX XXXX  with USPS tracking number # XXXX. 

XXXX received the notice of personal information update on XX/XX/2022 at XXXX XXXX  with USPS tracking number # XXXX. 

In the included PDF is evidence that I had made a concerted effort to resolve these inconsistencies on my report. 

Even with my genuine efforts of communication adhering to this situation, XXXX still sent correspondence letters of verification, and did so in XXXX pertaining to one of my accounts. I am a XXXX  English speaker, and have never communicated with them in XXXX. This alone is grounds for removal. 

I am considerately making contact with the understanding that you will be able to assist me in clearing up this situation.

Violations : 15 U.S.C 1681i ( 2 ) ( A ) - Reinvestigation of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

15 U.S.C 1681i ( 6 ) ( A ) ( B ) - 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.

15 U.S.C 1681i ( 7 ) - Description of reinvestigation procedure ( 7 ) 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. 

Thank you kindly for taking a moment to read this message of concern regarding my report, I am confident and hopeful in your helping hand. 

With Sincerity, XXXX

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