Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/XXXX, I submitted a request to TransUnion LLC to reinvestigate accounts on my consumer report. I received the results of that investigation on XX/XX/XXXX. 

The results of the investigation included a message that TransUnion LLC investigated the items from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and verified that they belonged to me. The items still included multiple inaccuracies and FCRA violations. 

I submitted another reinvestigation request on XX/XX/XXXX in hopes of correcting the errors from the XX/XX/XXXX results. My letter included a request for the description of the reinvestigation procedure pursuant to 15 USC 1681i. I specifically asked for TransUnion LLC to provide the names, phone numbers and business addresses of each individual with whom they verified the accounts at XXXX XXXX TransUnion LLC violated this law by refusing to provide the information as requested : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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. 

Additionally, since TransUnion LLC verified that the items belonged to me, I requested a copy of the binding agreement containing my signature and account number from XXXXXXXX XXXX for each item. TransUnion LLC completed the investigation on XX/XX/XXXX and stated again that the items were verified as belonging to me without doing a proper investigation. TransUnion LLC and XXXX XXXX failed to provide a binding agreement for the items they verified as belonging to me. TransUnion LLC and XXXX XXXX violated 15 USC 1681s-2 by reporting information with knowledge of errors.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Furthermore, TRANSUNION LLC and XXXX XXXX  did not clearly note that the items were disputed. They violated 15 USC 1681s-2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.

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