Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I looked at my credit report back in XX/XX/XXXX and noticed some things are incomplete and not accurate, and asked TransUnion to investigate. I then sent a request in XX/XX/XXXX asking ( agency ) to reinvestigate the accounts listed below : XXXX XXXX open date is not reporting correctly, date last active, date of last payment - none of this information is reporting accurately. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment - none of this information is reporting accurately. 

XXXX XXXX XXXX date is not reporting correctly, date last active, date of last payment - none of this information is reporting accurately. 
XXXX XXXX  XXXX date is not reporting correctly, date last active, date of last payment - none of this information is reporting accurately. 
XXXX XXXX XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment - none of this information is reporting accurately. 
XXXX XXXX XXXX XXXX date is not reporting correctly, date last active, date of last payment - none of this information is reporting accurately. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX date is not reporting correctly, date last active, date of last payment - none of this information is reporting accurately. 
According to the fair credit reporting act, 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 entails. 
TransUnion responded they completed their verification of the accounts listed above, but nothing was modified, nothing was updated, and TransUnion still has not provided me with a description of their investigation, in violation of 15 USC 1681 ( i ) ( 7 ).

I asked them again to provide me with a description of their investigation, including basic information such as how they 'verified " these accounts, who at the furnisher they spoke with to verify the information, and what information was provided to them by the furnisher- all information TransUnion should easily have access to if the accounts were properly verified as they purportedly claim. 
However, TransUnion did not respond to my requests- and still has not provided me with ANY of the information relating to who and how they claim to have verified the above accounts. If TransUnion did in fact validate the accounts as they claim to have done, TransUnion would be easily able to provide the information requested. 
The sheer volume of errors involved in the reporting of these accounts by TransUnion coupled with the severe lack of any meaningful investigation by TransUnion into these accounts suggests TransUnion is deliberately and willfully violating my rights under the fair credit reporting act. CFPB XXXX XXXX XXXX has stated that Companies that fail to properly address consumer disputes in accordance with the law may face serious consequences, and the CFPB has found consumer reporting companies have ignored the results of their investigations, just as they have here. 

According to a report by the CFPB on XX/XX/XXXX, TransUnion has relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, just as they have here. According to that same report, in many instances TransUnion promised to investigate but failed to provide the outcomes of their investigations to the CFPB, instead stating that they would forward the complaints to their dispute channel. 

Federal law requires TransUnion to conduct a review of complaints sent to them to determine whether all of their legal obligations have been met with respect to the subject matter of the complaint and then to report their determinations and actions to the CFPB. However, TransUnion did not provide meaningful responses to my complaints submitted through the CFPB complaint process, and instead ignored my requests entirely. 

Can you look into this matter?

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