Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXX TransUnion TransUnion 2 Year Payment History XXXX XXXX XXXX XXXX XXXX OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Open Account Type : Installment Balance Owed : {$420.00} Credit Limit : {$0.00} Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Creditor Type : Unsecured loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$430.00} Last Payment : XX/XX/XXXX Past Due Amount : {$420.00} Payment Amount : {$84.00} Payment Status : Late 120 Days Term Length : XXXX XXXX TransUnion TransUnion 2 Year Payment History XXXX OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Account closed by consumer Creditor Type : Secured loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$1000.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Current Term Length : XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX TransUnion TransUnion 2 Year Payment History XXXX OK Account # : XXXX Account Description : Individual Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Closed Creditor Type : Unsecured loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$30000.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Current Term Length : XXXX XXXX TransUnion TransUnion 2 Year Payment History XXXX XXXX OK OK Account # : XXXX Account Description : Individual Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Closed Creditor Type : Secured loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$430.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Late 60 Days Term Length : XXXX XXXX XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX Account Description : Joint Account Status : Derogatory Account Type : Installment Balance Owed : {$0.00} Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX SSN XXXX XXXX DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Credit Limit : {$0.00} Creditor Remarks : Settled - less than full balance Creditor Type : Auto Loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$17000.00} Last Payment : - Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Current Term Length : XXXX The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, AL XXXX