Consumer complaint received 2024-06-03 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: IL

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into several inaccurate items on my credit report. The specific items in question are as follows : XXXX - Account Number : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I disputed a public record entry : Court Name : XXXX XXXX XXXXXXXX Reference Number : XXXX In my dispute letter, I specifically requested the following information : How TransUnion verified the accounts and public record disputed on my credit report. The date when TransUnion contacted the creditor and furnisher. Contact information of the creditor and the furnisher. The name of the person who verified the accounts and public record in question. The method of verification used to verify the account and the public record. Whether the creditors and furnishers provided my Social Security Number, Date of Birth, and address to the creditor/furnisher. 
To support my dispute and verify my identity, I included copies of my ID, proof of address, and Social Security card. Despite providing this information, TransUnion has refused to conduct the requested investigation. 
I received a response back from TransUnion dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

TransUnion has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to investigate my dispute thoroughly. The refusal to provide the requested verification details and to conduct a proper investigation of the disputed items on my credit report has caused significant distress and inconvenience. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act ( FCRA ). This failure to investigate thoroughly and provide the requested verification details constitutes a significant breach of my consumer rights. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene to ensure that my consumer rights are not violated.

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