Consumer complaint received 2024-08-05 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: CT

Complaint narrative:
I am filing a complaint against TransUnion due to their failure to respond to my dispute letters within the required timeframe, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I mailed two dispute letters to TransUnion via USPS certified mail. The first letter, with tracking number XXXX, was delivered on XX/XX/2024. In this letter, I requested an investigation into the following inaccurate items on my report : XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX  XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX  XXXX XXXX  : XXXX, XXXX  : XXXX, XXXX  : XXXX, and Public Record Reference Number : XXXX. Additionally, I disputed the following incorrect personal information : Incorrect name : XXXX XXXX XXXX, as well as incorrect addresses : XXXX XXXX XXXX, XXXX XXXX, CT, XXXX and XXXX XXXX XXXX  XXXX, XXXX XXXX, CT, XXXX. 

The second letter, with tracking number XXXX, was also delivered on XX/XX/2024. In this letter, I disputed the items XXXX  XXXX XXXX  - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  - XXXX, and XXXX XXXX - XXXX and specifically requested TransUnion to provide their method of verification. I asked for the specific date on which they initiated contact with the creditor regarding the disputed item, the complete contact information for the creditor including their business name, address, and any available telephone numbers, the full name of the individual at the creditor 's end who verified the accuracy of the disputed information, and the method ( s ) through which they communicated with the creditor to verify the accuracy of the disputed item ( e.g., phone, email, mail ). I also requested confirmation of whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process. 

Despite providing all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address to help TransUnion verify my identity and address, I have not received any response from TransUnion regarding these disputes. 

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. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letters sent to TransUnion, along with USPS certified mail proof of delivery, as evidence.

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