Consumer complaint received 2022-05-03 00:00:00
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.
State: SC

Complaint narrative:
On XX/XX/2022, I contacted Transunion to speak to a representative about concerns that I was having in logging in to my online XXXX account and seeing that the investigations that I had sent in had begun but were completed within one to two days after the investigations were started. I called and spoke to a representative that kept saying the same statement that I would receive a letter in the mail with the results of the investigation within seven to ten business days. 

I initially disputed multiple bankruptcies that are listed on my credit reports. The initial result from XXXX was that the source of the information ( XXXX  ) verified the information. I then questioned the representative and asked how quickly they were able to verify the account and the representative gave the same response that I would receive a letter within seven to ten business days. I received a letter from the official courts signed by an official clerk of the court that the courthouse does not verify the information and I was advised to contact the credit reporting agencies myself. 
During the conversation on the 2nd, I asked to speak to a supervisor, but the representative made the statement that he/she was going to tell me the same thing and would not transfer me. I was placed on hold for approximately two minutes and was supposedly transferred to someone named XXXX. Through what sounded like snickering from the representative and someone else in the background, the representative proceeded to inquire what I did I wanted and I had to re-explain the entire circumstance again. 

I was put on hold again but for longer than two minutes. The representative came back on the line and stated that he had found the document that I had sent in and used the letter. There was a pause and again I heard snickering and asked what were the next steps in using the letter. The representative stated that it would be used in the investigation and that I would receive a letter within seven to ten business days after the investigation is completed. 

I purchased the online app where I receive notifications about any changes to my Transunion credit report including notifying me of investigations and investigation results. I have NOT RECEIVED one notification about any investigation through Transunion as I have disputed not only the Bankruptcies but also unauthorized inquiries, the Status labels of nearly every account on my credit report, and duplicate collections. I was feeling uneasy and called Transunion today. I was careful NOT to say that I was calling to confirm the investigation of the bankruptcies or any of the other items that I had previously disputed. I just simply asked whether or not there were any active investigations on my account. The representative asked me what accounts I was looking to dispute. 

I again did not answer the question and asked whether there were any investigations or disputes going on with my credit report and the representative stated that there were NO active investigations or disputes on my credit report. I followed the procedures that Transunion established. I disputed items correctly. After Transunion supposedly verified the accounts, I sent certified letters requesting additional information such as how they ( Transunion ) verified the information. 

I even have contacted sources and have asked and received documentation and/or information to verify that accounts either were not mine or that the company Transunion stated verified the account ( s ) had no record or verifying the account ( s ) or DO NOT verify accounts. In addition, an outside entity to determine any and all financial hardships and restraints that this situation has caused me and to suggest an appropriate monetary reimbursement due to the damages this continued situation has caused. 

I have honored, followed, and respected every local, state, and federal law in regards to disputing errors, items, accounts, everything on my credit report but I feel Transunion is benefitting from the pain and misery of their deceptions, laws, and unethical practices.

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