Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent a written dispute to Transunion on several accounts on my credit report. Along with the report I sent a copy of my drivers license, copy of my utility bill and social security card. Also, I sent a copy of my XXXX  credit report reference # XXXX which showed my Transunion, XXXX and XXXX and how the accounts were reflecting multiple inaccurate, incomplete account numbers, balances and dates, etc. In this request with supporting documentation that the creditors were reporting differently on all 3 credit bureau. I feel that Transunion just copied the information from the report off other credit bureaus and did not properly do an investigation. They told me by phone they would only go by what the creditor says only. Basically, ignoring my dispute and advised me to contact the creditor instead of contacting them. One XX/XX/2020 a method of verification letter asking for the name, address, phone number of whom Transunion actually spoke with to verify these accounts was sent in response to a letter that the accounts had been verified as accurate whereas Transunion received it on XX/XX/2020. Today I a response and only received only one account of a public record address and phone number which is a different address that they have listed on my report. The name differs from what is listed on my account. I called Transunion today I was told my request was pending as they were still waiting for creditors to respond. Waiting for creditors to respond??? They said they did an investigation on my XX/XX/2020. I simply asked if they verified as they stated in writing what and why is anything still pending today XX/XX/XXXX. They should have been able to reply with all the people they physically spoke with on file from XX/XX/2020. I told they were in violation because they had 30 days from XX/XX/2020. They should have been able to provide that in the letter sent to me to day and they have no information no names and can not provide information or documentation of what procedure they used to verify the items as accurate. They told me to call the creditors instead. They are in violation because they did not do a proper investigation of the accounts and can not provide the procedure they used to verify the original dispute in XXXX. They are in willful- noncompliance. They must delete it. It told them that information that the have in my credit must be accurate and it was not. I told them they have a legal obligation to delete inaccurate or incomplete information they refused and told me only the creditor can make changes or delete information. Basically, they should not be starting up a new investigation from a request of the procedure of the method of verification. They are in violation o FCRA and by extending the time they are taking almost 60 days stalling and trying to reach out to the creditors because its a violation because I did not write another letter of dispute for them to initiate a dispute on XX/XX/2020. Where is the proof and documentation I am asking from the original dispute from XX/XX/2020. They are not providing this information because they don't have it. They also sent the same letter in the same envelope except one does not have any mention of the accounts. They are using stall tactics and did not offer any information on the method of verification response. An abusing their position and taking advantage of me as an consumer. The information is unverifiable and they are refusing to delete unverifiable information. Also, copying information without verifying information is also a violation of FCRA. I have asked them to comply by deleting unverifiable information and they have refused. Also, I have an account they are reporting an account as closed it is a paid account. They wont change it with supporting documentation. They keep telling me to call the creditor. Please help me get resolution with the credit reporting agency. If they are truly up and up why is it taking so long to respond and why the stall tactics. Also, I sent them a letter XX/XX/2020 to update my current address and proper spelling of my name. I sent a copy of my drivers license, copy of my current utility bill and my social security card. They deleted updated my current information. On XX/XX/2020 I received a SSN Trace XXXX  identity monitoring alert and all of a sudden they added different inaccurate spellings of my name, names that are not my name and a old outdated address from more than 7 years ago from a state I do not reside. Why? when they have a copy of my current information just intentionally misleading adding false information to ruin my credit. 
This credit bureau is violating consumers rights ignoring consumers requests, violating the FCRA adding inaccurate information. They had no permissible purpose to run a SSN when I asked to have my personal information updated and provided valid copies of identification, social security card and a current utility bill. Please resolve this!

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