Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/2022 I contacted Trans Union requesting inquiries and accounts that are unknown and I'm unaware of on my consumer credit report. I didn't authorize anyone other than the companies that I explained to Trans Union to submit or obtain a consumer credit report on me. They responded with the accounts listed were not on my credit report, but my credit karma account shows different. I have attached a copy of my original dispute letter and also the letter sent to me from XXXX XXXX on the update of my dispute saying that these inquiries not these account 's are being listed on my consumer credit report, but after checking all sources that I can even my XXXX XXXX  Score Checker these account 's are still being listed on my consumer credit report. I have also tried to view my credit report online thru the Trans Union portal but their isn't any information on the report when I try to view it. This is very upsetting that this company is lying and being deceptive in it's practices. They aren't investigating any disputes only sending out letter 's and not sending me no updated credit report to see exactly what is being listed in their database on my consumer credit report. If the information in my consumer credit report in inaccurate it must be removed -15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( D ) Submitting a notice of dispute A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute ; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute. 
( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

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