Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear CFPB, I was going to mail my you my letter but I hoped this would get results faster. So I am writing to formally file a complaint against XXXX, TransUnion, and XXXX for failing to comply with 611 ( a ) ( 6 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Any many other laws below. Despite multiple attempts to have my credit report validated and updated, I received little to NO responses at all from these credit bureaus. 

Details of the Issue 1. Initial Dispute Letters Sent : XXXX : On XX/XX/year>, I sent a dispute letter requesting validation, update, or deletion of several negative items on my credit report. 
TransUnion : On XX/XX/year>, I sent a similar dispute letter with specific items that needed verification. 
XXXX : XX/XX/year>, I also sent a dispute letter requesting verification of negative items. 

2. Items Disputed : XXXX : 1. THE REMOVAL OF ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Account Number : XXXX TransUnion : 1. Remove the following inaccurate address : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. Verify the following accounts : XXXX, # XXXX XXXX  XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX ( multiple XXXX late payments ) XXXX XXXX XXXX XXXX XXXX ( Multiple Late Payments XXXX  XXXX XXXX XXXX XXXX XXXX. The removal of the following inaccurate address from my credit report immediately : XXXX XXXX XXXX XXXX MI, XXXX XXXX. Verification and validation of the accounts below : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX & XXXX ; XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX Although XXXX acknowledged receipt of my letter, they have not provided any further communication or complete results of the investigation. I specifically requested in writing a complete investigation. I provided my mailing address and have not received anything. This inaction is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 3. Follow-Up Letters Sent : After receiving no response within 30 days, I sent follow-up letters to each bureau Ill attach those. 

Lack of Response Despite these efforts, I have not received any written results of the reinvestigations from XXXX, TransUnion, or XXXX. Theyre in violations of FCRA Laws below. 

_**15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : Requires the credit bureau to provide written notice to the consumer of the results of the reinvestigation.

611 ( a ) ( 1 ) ( A ) : Requirement to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

611 ( a ) ( 1 ) ( B ) : Requirement to complete the investigation within 30 days.

611 ( a ) ( 6 ) ( A ) of the FCRA Impact This non-response has caused me significant stress and potential financial harm, as the unresolved negative items continue to affect my credit score and my ability to obtain credit.