Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
The company is not abiding my the rules of the FCRA. I initially sent the letter sometime in XXXX. They sent me fake response letter stating they thought it was a third party when that was impossible because I hand wrote the letter and provided all the required associating documents. 

According to the FCRA Section 611 ( 15 U.S.C. 1681i ) : This section outlines the procedures that must be followed when a consumer disputes the accuracy of information in their credit report. Credit reporting agencies are required to conduct a " reasonable reinvestigation '' to determine whether the disputed information is inaccurate and must record the current status of the disputed information, or delete the item from the file if it is inaccurate, incomplete, or can not be verified. 

30-Day Timeframe : The FCRA specifies that the credit reporting agency must complete its investigation within 30 days of receiving your dispute. This period may be extended by an additional 15 days if the credit reporting agency receives further information from the consumer that is relevant to the investigation during the 30-day period.

Notification of Results : After completing the investigation, the credit reporting agency must give you the written results and a free copy of your report if the dispute results in a change. This ensures that you are promptly informed about changes to your report stemming from the dispute process. 

The date is now XX/XX/2024 and they are BARELY responding. It has been over 60 days since my initial letter to them and they are barley updating this investigation. And it is still not updated correcty. Not to mention they are lying in the letters. When I initially reported this account XXXX stated I owed them over {$25000.00} ( or something close to there ) now they are saying I owe them nothing however this is a repossession. My question is why was it reporting incorrectly in the first place and why didnt transunion send me a letter saying " WE WERE REPORTING INCORRECTLY HOWEVER WE HAVE MADE CORRECTIONS '' why the lies and the deceitfulness? This entire account should be completely removed my from account as wyndam has agreed to with the time share cancellation agreement. In addition that transunion did not give me a free copy of my credit report when they sent they letter which is required. 

Although my credit has improved since they " updated '' the account I am not pleased with the update. Prior to the update this INCORRECT reporting stopped me from many opportunities including investments, home buying, and new credit build opportunities due to the effect this had on my credit score.

The right thing needs to be done and they need to send the all of the documents they used to VALIDATE the account which I know they can not because the debt is no longer valid and they also need to completely remove this from report considering it has been far more than 30 days and they have not furnished the accurate information. Also, stop sending FAKE template responses and actually look into the case with diligence and care. 

Attached is a copy of my Transunion report pages 1-10 showing the account reporting inaccurately XX/XX/XXXX, XXXX sent my Dispute In XX/XX/2024. 

XX/XX/2024 I received a FAKE template response saying I was a third party which is a complete joke because what 3rd party hand writes letters and hand signs documents? and I specifically put in the letter THIS IS NOT A THIRD PARTY. ( just a fake response so they can cross the check XXXX off their list and pretend they responded within the expected time limit. ) XX/XX/2024 They send me an entire new report saying " Oh no we've have been reporting correctly. How if the credit report you sent in XXXX and the one send in XXXX don't even match? how is the possibly correct? 

XX/XX/2024 They update the cfpb oh by the way we finished the investigation... 

yea, a day late and a dollar short. Actually over 90 days late. 

Also, send a copy of any and all documents used to " validate '' the debt as requested in initial XXXX letter. 

Remove the account and leave me alone.

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