Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
XXXX XXXX I received a letter from Transunion saying that my disputed accounts were verified after i sent them a Metro 2 Compliance letter. I then sent off a Method of Verification letter on XX/XX/XXXX asking Transunion for specific and proof of their investigation which is my right according to : Cushman V. Transunion " The court held that the FCRA requires a credit reporting agency to go beyond its original source of credit information when re-investigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. '' Transunion then continues to me another letter XX/XX/XXXX simply stating that the accounts have been verified by the original creditor. They have yet to provide documentation or proof of the accounts accuracy and are clearly ignoring my disputes and violating my rights. I have sent out another letter on XX/XX/XXXX in response to the " Verified Letter '' i was sent from transunion asking for a real and legal investigation into the same late payments that Ive been disputing for about a year now. Please CFPB make Transunion do their job properly as it is my right. 

Other obligations and laws the credit bureau is violating : According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So i then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description.

More laws they are breaking : According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverified information ( A ) in general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors a person shall not furnish any information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, the specific information is inaccurate; and ( ii ) the information is in fact, inaccurate.

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