Consumer complaint received 2020-10-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
On XX/XX/XXXX, I mailed and faxed a dispute letter to XXXX, XXXX  and Transunion requesting to dispute negative credit items and inquiries. I never received a physical paper copy of the dispute resolution in the mail. According to the Fair Credit Reporting Act, the credit bureaus are required to respond to claims within 30 days and inform me of the results of it's investigation within five business days or they have to automatically delete every item that I disputed. I waited for 45 days and then mailed and faxed all 3 credit bureaus a NEW dispute letter on XX/XX/XXXX, requesting a copy of the investigation results from XX/XX/XXXX. I also requested that they send me proof of how they verified the items and if not provided within 15 days, that they needed to delete every item and inquiry that was disputed. Again, I never received a response in the mail from either credit bureau. Under the Fair Credit Reporting Act, it is a violation for credit reporting agencies to report inaccurate information about anyone, mixing up one 's personal information with someone else 's because of similarities or same names, social security numbers, addresses, etc. Agencies who fail to follow guidelines for handling disputes will be prosecuted in a court of law. According to FCRA, If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests. If the furnisher corrects your information after your dispute, it must notify all of the credit reporting companies it sent the inaccurate information to, so they can update their reports with the correct information. No proof of investigation results have been received from any of the 3 credit bureaus. In the event that the credit bureaus attempt to state that they never received the said documents in the mail or via fax, I also included and attached them in previous CFPB complaints that were filed against these XXXX credit bureaus. The CFPB complaint numbers are as follows : XXXX XXXX, XXXX XXXX, XXXX Transunion. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Transunion, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Transuion, XXXX XXXX, XXXX XXXX, XXXX Transunion. I am demanding that each credit bureau remove, delete, suppress and expunge each negative item, inquiry, incorrect address, name, phone number, employer, public record that I have ever disputed and restrict them from being added back to my report in the future. I am requesting that updated reports reflecting these changes are mailed to me within 15 days of today 's date or I will have my attorney file charges in court. Thank you

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 explanation