Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have an issue with TransUnion being willful violation of the FCRA section 611 ( 6 ) ( b ) ( iii ), and 609 I disputed an erroneous late payment with TransUnion via certified mail on XX/XX/2019, ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ), this letter XXXX received by TransUnion on XX/XX/2019. I also filed a CPFB complaint on XX/XX/2019 ( XXXX ) regarding this dipspute with TransUnion as this would be my 4th dispute letter to TransUnion requesting investigation and removal of this erroneous item. I also had submitted evidence from the original creditor ( XXXX ) to TransUnion that proved that XXXX was not reporting this information to TransUnion, as they do not have any records regarding the account in question. On XX/XX/2019 TransUnion issued a generic responded to the CFPB complaint claiming information was verified and they were rejecting the documentation provided by the original creditor, and I was being sent a letter detailing their findings. I again received a generic template letter from TransUnion which contained no information regarding my dispute or their findings. Immediately following the close of this dispute I sent another letter to TransUnion requesting a description of the methods they used to " verify '' this information on my credit report, under FCRA Section 611 ( a ) ( 7 ). This letter was sent out via certified mail on XX/XX/2019 and was received by TransUnion on XX/XX/2019 ( XXXX XXXX : XXXX ). According to FCRA 611 ( 7 ) and 611 ( 5 ) TransUnion has 15 days to respond with the information used to " verify '' this information, or to " promptly delete '' any " information that is found to be inaccurate or incomplete or can not be verified ''. As of the date I am filing this complain XX/XX/2019, it it has been 31 days since TransUnion has received my letter requisition their method of re-investigation, which is well beyond the 15 days required by Federal law. I contacted TransUnion via phone XX/XX/2019, and XX/XX/2019 was transferred to an representative in their " special handling '' department, where the representative confirmed that they had received my letter on XX/XX/2019, and that they were ignoring my request because TransUnion does not have to provide me any information requested. I made it clear that TransUnion was in direct violation of multiple FCRA statutes and she further went on to admitting that TransUnion never contacted the original creditor to " verify '' the disputed information, but that they used an automated 3rd party database : XXXX. I told the representative that the XXXX   database is incorrect and to contact the original creditor, and also that this was my last attempt to resolve the problem before seeking litigation. Again the representative made it clear that she would not, and would do nothing to respond to my requests under the FCRA. This conversation was a clear indicator that TransUnion is in willful violation of the FCRA regarding my credit file. Please also note that this same erroneous information was being reported also by XXXX and XXXX, but were both promptly deleted the late payment upon investigation. It is clear that TransUnion has done no investigation and believes they are above the law in regards to FCRA statutes. Attached is letter that was sent to TransUnion requesting method of verification of the disputed information, note this is the 3rd request I have made to TransUnion for such information, ( my prior disputes also requested the same ). I made it clear that my last letter was NOT to be interpreted as a request for further investigation.