Consumer complaint received 2020-12-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my third CFPB complaint filed against Trans Union about this matter. Trans Union HAS NOT provided to me documentation from " XXXX XXXX XXXX # XXXX and the document was forwarded to the creditor for their review. The data furnisher will verify the accuracy of the item ( s ) and inform TransUnion of their results. '' It has been over 30 days. Personally, I have not been able to get documents from XXXX XXXX despite my MANY requests and can not understand how this account continues to report on Trans Union 's file for me. Certified letters to XXXX XXXX attached. This inaccurate reporting is affecting my ability to obtain employment and housing during these horrible times. I am begging for help. I have spent over 8 months and several hundred dollars communicating with Trans Union and XXXX XXXX XXXX. I am begging for Trans Union to begin following the FCRA and remove this inaccurate reporting. The next option is for me to file a lawsuit against Trans Union, should this not be resolved. 

Trans Union latest CFPB complaint response : We have reviewed your complaint along with the information you previously provided regarding this issue. Additionally, we reviewed the documentation you provided regarding XXXX XXXX XXXX # XXXX ; however, it did not meet TransUnions criteria. Therefore, in order to verify the accuracy and completeness of the account we initiated investigation into XXXX XXXX XXXX # XXXX and the document was forwarded to the creditor for their review. The data furnisher will verify the accuracy of the item ( s ) and inform TransUnion of their results. When the investigation is complete, you will receive the results at the current mailing address we have on file for you. TransUnion reviews and considers all relevant information you provide when you open the credit dispute process. If we are able to make changes to your credit report based on information you provided, we will make those changes. Otherwise, we will ask the company reporting the information you disputed to do all of the following : 1. Review relevant information we sent them, including any documents you have sent us as part of your dispute. 2. Investigate your dispute and verify whether information they report is accurate. 3. Provide us a response to your dispute and update any other information. 4. Update their records and systems, if necessary. If you have questions regarding the results of a recent investigation, please contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report again in the future, you can do so online at dispute.transunion.com We store information in our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly. The Fair Credit Reporting Act allows : Non-adverse credit information to be reported for a period of 10 years from the date the account was paid or closed. Adverse credit history, such as collections and profit-and-loss write-off accounts, to be reported for seven years from the date of delinquency. The current mailing address you provided with your complaint is not listed in our records. If you would like for TransUnion to update your current address and mail the results there, you must submit copies of two ( 2 ) of the qualifying documents listed below to this address : XXXX XXXX XXXX XXXX, PA XXXX. Electronic statements printed from a website can not be accepted for proof of address. Drivers license or State ID card ( current and unexpired ). Pay stub, Bank/credit union statement or cancelled check, College letters ( campus housing ), Government issued ID card, Medicaid/Medicare cards ( if address is present ), Stamped post office box receipt, Utility bill ( water, gas, electric, or telephone ). Or one ( 1 ) of the following : Signed letter from homeless shelter, Prison identification letter. Please note, when providing proof of your current mailing address, please ensure ; Bank statements, utility bills, cancelled checks, and pay stubs are not older than 2 months. PO Box receipts and signed letters confirming residency are not older than 1 year. In lieu of sending us the qualifying documents, you may call us during normal business hours ; to go through a verbal authentication process with one of our customer service representatives. Upon successfully passing verbal authentication, your records will be updated to show your current mailing address. Should you wish to contact TransUnion, you may do so, Online : To dispute information contained in your credit report, please visit www.transunion.com/disputeonline For answers to general questions, please visit : www.transunion.com By Mail : TransUnion Consumer Relations XXXXXXXX XXXX XXXX XXXX, PA XXXX By Phone : ( XXXX ) XXXX XXXX You may contact us between the hours of XXXX XXXX and XXXX XXXX. Eastern Time, Monday through Friday, except major holiday.