Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
Attention all concerned, I submitted a debt validation letter along with verifiable proof of my identity and residence to TransUnion credit bureau on XX/XX/XXXX ( See Exhibit A & Exhibits B.1 through B.3 ) in regards to disputing accounts showing on my credit report that I am not familiar with that they are allowing to be reported. After 30 days of not receiving any record validating a claim of these accounts that I disputed, I decided to give TransUnion a call on XX/XX/XXXX. 

Upon calling, I was informed by the TransUnion agent that they had declined to respond without stating a reason for their refusal. I called a second time on XX/XX/XXXX giving TransUnion an opportunity to cure their default and to request a copy of the XX/XX/XXXX phone call to TransUnion pursuant to the Freedom Of Information Act. I spoke to TransUnion agent, XXXX, in regards to giving them an opportunity to cure and to give me a copy of the XX/XX/XXXX phone call. XXXX ( TransUnion agent ) informed me that they would deny my request via letter under the Freedom of Information Act to procure a copy of the audio and that I would need to retain a lawyer and have the lawyer request a copy. 

I received a letter on XX/XX/XXXX from the company XXXX XXXX XXXX, who is a party to the original disputed accounts in the XX/XX/XXXX debt validation letter, stating that there is no account with their company. ( See Exhibit C ) After reviewing the letter sent to me by XXXX XXXX XXXX, I contacted TransUnion on the same day and spoke to one of TransUnion 's agents by the name of XXXX. There was an agreement by both parties to this conversation that the call was being recorded for quality and training purposes. ( See Exhibit D ) I informed XXXX about my concerns regarding an account that is being reported on my credit report that was disputed in the original validation of debt letter sent on XX/XX/XXXX. ( See Exhibit A ) I further informed XXXX that I am in receipt of documentation from XXXX XXXX XXXX that there is no account for the name XXXX XXXX XXXX XXXX. ( See Exhibit C ) XXXX informed me that they purposely did not respond to a dispute received by TransUnion on XX/XX/XXXX because of the results of their investigation of a previous debt validation letter disputing these alleged accounts. However, TransUnion received the XX/XX/XXXX debt validation letter disputing these alleged accounts along with verifiable proof of my identity and residence ( See Exhibit A & Exhibits B.1 through B.3 ) via certified mail on XX/XX/XXXX. ( See Exhibits E.1 & E.2 ) He further indicated that TransUnion can not actually validate accounts and per that, it lead me to believe that I can not receive any equitable relief in the matter. 

TransUnion is clearly in violation of the FCRA 15 USC subsection 1681 et seq., as well as, in violation of 15 USC subsection 1692 et seq. Furthermore, TransUnion has clearly failed to follow reasonable procedures to assure the maximum possible accuracy of the information contained in my credit report. They have failed to conduct a reasonable re-investigation of disputed information in my credit file after I notified TransUnion of the disputed information on numerous occasions. More importantly, they have also failed to disclose to me the entire contents of my credit file upon my request in the original debt validation letter dated XX/XX/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