Consumer complaint received 2024-03-09
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. (CA)

Dear Transunion I am responding to your recent response to my credit dispute thats dated XX/XX/XXXX. You have stated that the information has been verified how so when I provided same dispute with XXXX and they have removed and deleted the accounts that I was challenging. All information has to be accurate according to the FCRA .I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the FAIR Credit Reporting ACT ( FCRA ), 15 USC 1681i ( 7 ).

Under section 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
Delete These Accounts Immediately XXXX XXXX XXXX XX/XX/XXXX ( Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX XX/XX/XXXX ( Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX XX/XX/XXXX ( Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX XXXX XX/XX/XXXX ( Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX XX/XX/XXXX ( Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX XXXX XXXXXX/XX/XXXX ( Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX XXXX XXXX XX/XX/XXXX ( Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX XXXX XXXXXX/XX/XXXX ( Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. I want same actions taken or will seek legal aide. 

Included is copy of XXXX Dispute showing deletions and there response. 

XXXX on XX/XX/XXXX XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX - XXXX XXXX XXXXXXXX VERIFIED THAT THE LAST PAYMENT DATE IS REPORTING CORRECTLY. PLEASE BE ADVISE THAT THE DATE CLOSED IS CURRENTLY REPORTING CORRECTLY PLEASE BE ADVISE THAT THE DATE OPEN IS CURRENTLY REPORTING CORRECTLY THIS CREDITOR/AGENCY HAS VERIFIED TO OUR COMPANY THAT THE DATE OF LAST ACTIVITY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, CHARGE OFF AMOUNT, SCHEDULED PAYMENT, ACCOUNT HISTORY Trade ; XXXX XXXX XXXX XXXX XXXX VERIFIED THAT THE LAST PAYMENT DATE IS REPORTING CORRECTLY. PLEASE BE ADVISE THAT THE DATE CLOSED IS CURRENTLY REPORTING CORRECTLY PLEASE BE ADVISE THAT THE DATE OPEN IS CURRENTLY REPORTING CORRECTLY THIS CREDITOR/AGENCY HAS VERIFIED TO OUR COMPANY THAT THE DATE OF LAST ACTIVITY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, CHARGE OFF AMOUNT, ACCOUNT HISTORY Trade ; XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX BANK THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Collection ; XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, CLIENT NAME, ADDITIONAL INFORMATION We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.