Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by [ Transunion ]. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to [ Transunion ] regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements. 
Desired Resolution : To resolve this matter, I request the following actions be taken by the CFPB : XXXX. Thorough Reinvestigation : Facilitate a thorough reinvestigation of the disputed information on my credit report by [ Credit Reporting Agency Name ]. Ensure that all aspects of the dispute are comprehensively reviewed.

2. Detailed Description of Verification Methods : Mandate that [ Transunion ] provides a detailed description of the verification methods used during their investigation. This should include : o Specific methods and procedures used to verify the disputed information.

o List of all sources, including creditors or data furnishers, consulted during the investigation.

o Documentation or evidence reviewed to support the verification of the disputed information.

o Explanation of how the accuracy of the information was verified and the criteria used for validation.

o Timeline of the investigation, including key dates and actions taken.

3. Correction of Inaccuracies : Ensure that any inaccuracies identified during the reinvestigation are promptly corrected on my credit report. I seek confirmation that my credit report will reflect accurate and verified information without further delays.

Supporting Documentation : I have enclosed copies of my initial dispute letter, the responses received from [ Credit Reporting Agency Name ], and highlighted copies of my credit report showing the disputed items. Additionally, I have included any relevant correspondence and supporting documents to substantiate my claim. 
Legal Violations : I believe that [ Transunion ] has violated the following provisions of the FCRA : 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy. 
I trust that the CFPB will investigate this matter thoroughly and ensure that my rights under the FCRA are upheld. Thank you for your attention to this matter. I look forward to a prompt resolution.