Consumer complaint received 2024-11-15 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: NY

Complaint narrative:
Request to Remove Inaccurate Credit Information After reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. Validate AccounXXXX XXXX XXXX  { Account number XXXX } Please supply information on how you have verified this item. Since I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate to the fair credit report 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 relates. This account { XXXX XXXX { Account number XXXX }, XXXX XXXX { Account number XXXX }, is not complete and it's not accurate. XXXXXXXX XXXX { Account number XXXX } open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I sent a letter on XXXX XXXX, asking them to reinvestigate this XXXX XXXX I got the investigate back but noticed was modified or updated. So I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 U.S.C. Sec. 1681i ( 8 ). 

If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency- ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) of this section that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than XXXX business days after making the deletion. In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and eliminated from my report. It is my understanding that you will verify these items with the respective creditor. Please remove any information that can not be verified by the creditor. I am aware that according to 15 U.S.C. Sec. 1681i ( 8 ), you are required to complete this investigation within 3 days of receiving this letter.

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