Consumer complaint received 2024-07-19 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: TN

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against TransUnion regarding their handling of my recent credit report dispute. Despite my repeated requests for documentation to verify the accuracy of specific accounts on my credit report, TransUnion has failed to provide any such proof. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Details of My Complaint : 1. Disputed Accounts : XXXX XXXX XXXX, Account Number : XXXX, XXXX XXXX XXXX XXXX, Account Number : XXXX XXXXXXXX XXXX XXXX XXXX , Account number : XXXX XXXX  XXXX XXXX XXXX, Account Number : XXXX 2. Disputed personal information Name is XXXX XXXX XXXX DOB is XX/XX/XXXX Current address 2. Timeline : - On XX/XX/XXXX, I submitted a dispute to TransUnion regarding the above-mentioned personal information updated, TransUnion Failed to respond to my requested to updated my Personal Information. 

On XX/XX/XXXX, I submitted a request for investigation procedure details and proof of a investigation to TransUnion regarding the above-mentioned accounts requesting signed documents or other evidence verifying their accuracy. 
- As of XX/XX/XXXX, TransUnion has not provided the necessary documentation to verify these accounts. 

Specific Violations : 1. Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ( a ) ( 1 ) ( A ) ) : - TransUnion is required to conduct a reasonable investigation of any disputed information within XXXX  days of receiving the dispute. They have not provided evidence of conducting a thorough investigation. 

2. Failure to Provide Verification of Disputed Information ( FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) ) : - TransUnion must provide the consumer with a description of the procedure used to determine the accuracy and completeness of the disputed information, including the business name and address of any furnisher of information contacted in connection with such information. 

3. Failure to Remove Inaccurate Information ( FCRA Section 611 ( a ) ( 5 ) ( A ) ) : - If an item of information is found to be inaccurate or unverifiable after a reinvestigation, TransUnion must promptly delete that item from the consumer 's file. 

4. **Failure to Provide Actual Proof of Accuracy ( FCRA Section 611 ( a ) ( 2 ) ( B ) ) ** : - When information is disputed, the credit bureau must review and consider all relevant information submitted by the consumer. In this case, TransUnion has not provided actual proof, such as signed documents, to verify the accuracy of the disputed accounts. 

**Attempts to Resolve : ** I have contacted TransUnion directly, both through written communication and follow-up inquiries, but they have not provided any signed documents or sufficient proof of the accuracy of the disputed accounts. 

**Resolution Sought : ** I am requesting the following actions : 1. Immediate removal of the disputed accounts from my credit report due to lack of verification as required under FCRA Section 611 ( a ) ( 5 ) ( A ). 
2. An explanation and documentation of TransUnions investigation process and findings related to my dispute, in compliance with FCRA Sections 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 2 ) ( B ). 

I appreciate your assistance in resolving this matter and ensuring that my rights under the FCRA are upheld. Please let me know if you require any further information or documentation from my side. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

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