Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Complaint:
In XX/XX/2022, I sent a request to Transunion to investigate the full accuracy and completeness of various accounts listed on my credit report, as I am the victim of Identity Theft and did not recognize several accounts listed. I asked them to investigate according to 15 USC 1681i. 

I asked them to investigate the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letter I sent was signed for on XX/XX/2022 by a Transunion representative. I have waited 60 days and I have received nothing in response. My tracking number is : XXXX. 

This is a violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] that states an investigation shall take 30 days.

" ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' They further violated my rights by not recording the current status of the disputed information as also required by 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].

" ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. '' Transunion is preventing me from being able to qualify for a home. This is extremely frustrating because I am in the process of trying to buy a new home for my family, and due to Transunion 's negligence of the FCRA laws, I am unable to purchase a home for my growing family.

Now is not the time to initiate the re-investigation, as that timeframe has lapsed. Transunion had ample time to investigate this information and did not... nor did they publish any notice of dispute on my credit report for any of the above accounts as required by law. I demand that these accounts be deleted from my credit report immediately, as my family can not afford for these inaccurate accounts to continue to report on my credit file. I have been beyond patient in allowing them to conduct an investigation, and Transunion 's negligence is causing me extreme financial harm. 

I am attaching a copy of my previous Transunion report as well as my current report, showing that absolutely nothing on my credit report has been updated or even noted as IN DISPUTE. I am also attaching the letter that I sent Transunion in XXXX, along with the return receipt showing when the letter was received and signed for by a Transunion representative. I am also attaching two copies of ID so that Transunion knows I am the person who is disputing this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief