Consumer complaint received 2022-02-18
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. (TX)

I HAVE NEW UPDATED INFORMATION!!! 

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan, submitted a dispute to TRANSUNION and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. I reached out to TRANSUNION for the details of the investigation that they did to verify this account. This is my third request and I have not received any proof of details showing that they've done an investigation. I filed my complaint about this and each time I try to receive a response from TRANSUNION concerning this matter, they state that they need authorization to proceed with the complaint.I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my credit file through CFPB complaint numbers XXXX, XXXX, XXXX, and this time through certified mail # : XXXX XXXX XXXX XXXX XXXX. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to TRANSUNION 's blatant disregard for federal law. It is my belief that TRANSUNION feels comfortable committing blatant violations of the FCRA because they know the CFPB won't enforce the laws set forth by congress as shown time and time again. TRANSUNION has caused me stress, marital issues, sleepless nights, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( XXXX ) ( A ), if any reinvestigation of any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. I reached out to TRANSUNION on XX/XX/XXXX for the details of the investigation that they did to verify this account. Federal law states that the consumer reporting agencies have 30 days to perform their investigation. It has been close to 60 days and I receive a response from TRANSUNION on XX/XX/XXXX. Anything past 30 days is a violation of my rights as a consumer. After 30 days of them not providing me the information, it has to be deleted per FCRA. They later responded that they contacted the data furnisher to verify this information. This is clearly another violation of my rights because pursuant to 15 U.S.C. 1681a ( XXXX ), " The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Since this statement let 's me know that their " investigation '' is not valid, this information must be excluded from my consumer report. I preferred to receive their response through the CFPB portal because I know that they've told me before that they would provide a response through the mail and it was not what I thought it would be. 15 U.S.C 1681a ( XXXX ) ( A ) ( i ) also states that the consumer report should NOT include a report containing information soley as to transactions or experiences between the consumer and the person making the report. Late payments and utilizations are transactional information and experiences reporting on my consumer report from TRANSUNION.