Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX of XXXX I noticed derogatory accounts on my consumer report with Trans Union. I filed a dispute requesting the results of their findings so that I could use the details to file a police report. Within 30 days they notified me that that the charges were validated but failed to provide me these alleged findings. 

In XXXX of XXXX I filed a second dispute for the accounts and reminded them that they did not provide me their results in which they are required by federal law. I also notified them they are required to validate the debt BEFORE furnishing it so it SHOULD be available to just give me. I received another response that the accounts are validated but again they did not provide me the evidence so that I could effectively file a police report. I have not received any information surrounding their investigation. I have multiple accounts that I requested an investigation for but Trans Union closed the investigations only a few days after allegedly looking into them. I sent 2 to 3 request for these accounts but they continue to mark them validated with no supporting evidence. 

I filed an identity fraud report, a police report along with the additional required documents and sent it to Trans Union. They received this packet on XX/XX/XXXX. Today is XX/XX/XXXX, which means they have failed to comply with 15 U.S. Code 1681c-2. They are required by law to block the fraudulent/ derogatory information or provide supporting documentation within 4 days. They have done neither. 

Trans Union also closed 2 of my other good standing accounts in XXXX and XXXX of XXXX. I called them regarding these illegitimate closings and they allegedly investigated if for 2 weeks only to inform me that it is validated but without any supporting evidence ( although they are required to ). I then formed a dispute letter and mailed it to them certified. Within a month they inform again that it was validated. These accounts should not be closed as I am in good standing with the creditor while currently making on time payments. 

I called XXXX on XX/XX/XXXX to make them aware of their failures to block the fraudulent/ derogatory accounts and of the 2 accounts that they illegitimately closed. The agent who answered acknowledged that they received my identity theft packet and stated that Trans Union mailed me out a response on XX/XX/XXXX. She also stated that they are continuing to investigate. Again, I informed Trans Union that the law states : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt She then proceeded to acknowledge that they have NOT blocked it and have sent me a letter. A letter does not comply with the law. 4 days is the federal law and it is now 16 days later. Two good standing accounts are currently closed and fraudulent/ derogatory accounts are still present.

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