Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
An online dispute was submitted XX/XX/XXXX with TransUnion for XXXX items. One for XXXX which has since been removed. Another for XXXX XXXX XXXX which TransUnion representatives claim is still pending investigation. Curiously enough, that listing has also been removed from my credit report much to the confusion of T.U. reps. They ca n't explain why the listing for Enhanced Recovery has been deleted. I 'm not opposed to that happy coincidence, however it is somehow tied to the last dispute in question. The last item disputed on XX/XX/XXXX is a collection listed with T.U. as XXXX XXXX # XXXX, Original Creditor : XXXX XXXX XXXX College . It is a very simple, straightforward matter in which I informed TransUnion that the collection was past it 's 7 year reporting period. Firstly, it has been paid and second the date of default was XX/XX/XXXX. I provided TransUnion with a faxed copy of the promissory note supporting that fact on XX/XX/XXXX. 
After several disconnections when requesting to speak to supervisors or US representatives and other failed attempts to confirm receipt of my fax with representatives at their foreign call centers I was finally able to reach a supervisor by the name of XXXX in the US Special Handling Department on XX/XX/XXXX. He was able to confirm that TU received the fax and further informed me that the the collection for XXXX was deleted on XX/XX/XXXX. He and another rep in the XXXX XXXX XXXX Department, XXXX and XXXX in Web Access confirmed that a collection for XXXX - XXXX XXXX XXXX XXXX had been deleted. No representative can explain why that item continues to appear on my credit report except to say that other unrelated disputes are pending and are not set to be completed until XX/XX/XXXX. It 's important to reiterate here that those other " pending '' disputes have already been removed from my credit report. 
I checked the status of my credit report for changes as the TU reps suggested and found that EOS had NOT been removed as of XXXX/XXXX/XXXX. Another call to TransUnion placed on XXXX XXXX, XXXX allowed me to reach XXXX, Employee # XXXX in the online department. He assured me that a collection for XXXX XXXX XXXX XXXX was no longer being reported, but could n't explain why it continues to appear on my refreshed TU credit report pulled that day, via TU online paid subscription. He suggested I speak to the XXXX Department once again. Eventually I reached a XXXX rep that confirmed the XXXX deletion and was expanding on the problem when our call was disconnected. I reached out again and connected with XXXX XXXX, XXXX at the XXXX call center in Pennsylvania, who had notes of the previous call but refused to give me the name of the rep or any info related to that call and repeatedly stated, that she would be the XXXX helping me with this issue. 
To prove that XXXX continues to be reported despite TU 's assurances of deletion, I purchased a XXXX-bureau report from XXXX that supports my complaint. TransUnion is willfully non-complaint. 
After speaking to many representatives at TU over the course of 3 months regarding several disputes, I 've noticed that it is common practice to withhold from deleting/correcting inaccurate/unverifiable information. TransUnion is in violation of FCRA 611 ( 5 ) ( A ) ( i ) failure to promptly delete information based on results of the investigation, and FCRA 611 ( 5 ) ( D ) failure to use the automated reinvestigation system notifying other credit reporting agencies of their results so as to expedite investigations and 611 ( 6 ) ( A ) failure to notify consumer NOT LATER THAN FIVE DAYS AFTER THE COMPLETION OF AN INVESTIGATION. ( The investigation for the XXXX collection had been completed on XX/XX/XXXX as per XXXX, Supervisor in the US Special Handling Department with TransUnion. )

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