Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has been negligent by willfully violating the Fair Credit Reporting Act ( FCRA ) by not conducting the re-investigation of my disputed information before the end of the 30-day period from the date they received my dispute on XX/XX/2016 and failed to properly verify the disputed information with the XXXX Recorder of Deeds. Please note that under the FCRA sectiXXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) TransUnion had a 30-day period from the date they received my dispute to verify and properly re-investigate the disputed information in question. 
This dispute pertains to my letter dated XX/XX/2016 in which I requested TransUnion to validate the state tax lien in the amount of {$2500.00} being reported on my credit report. TransUnion received my letter via certified mail on XX/XX/2016 and failed to respond to my request. I submitted a second letter via certified mail dated XX/XX/2016 informing TransUnion of their failure to respond to my letter on XX/XX/2016 about the inaccuracy they were reporting on my credit report regarding the state tax lien. I made them aware that federal law required them to respond within 30 days of receipt of my dispute. Not only did they violate the federal law under the Fair Credit Reporting Act, but also failed to respond to my dispute or provide me with any viable evidence, bearing my signature, showing the account is being reported accurately. This letter was received on their end on XX/XX/2016. 
On XX/XX/2016 I contacted the XXXX Recorded of Deeds office at the phone number listed on my TransUnion credit report to validate the information myself. Not only did they inform me that I do not have a state tax lien, but also that the XXXX County Recorder of Deeds does not report liens to the credit bureaus nor verify the information reported is accurate. 
Once again, I wrote to TransUnion via certified mail on XX/XX/2016 making them aware of the information the XXXX Recorder of Deeds had provided me with. I requested that they remove such entry from my credit file as it was being reported in error on their end and they were in violation of the FCRA, as they have not responded to my dispute as required within the 30-day period of receipt of my original dispute. 
On XX/XX/2016, I received a letter from TransUnion stating they had verified the information I was disputing since the beginning of XX/XX/2016. They did not provide any information regarding how, when, where, or with whom they had validated the disputed information which had been requested from them on multiple occasions. 
You will be able to verify with the attached documentation that TransUnion has not only willfully violated the FCRA but has been negligent in validating the disputed 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