Consumer complaint received 2025-03-03 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: MO

Complaint narrative:
Dear TransUnion : Hello and hope all is well Regarding XXXX XXXX XXXX  charge off accounts FCRA Violation XXXX XXXX XXXX ( i ) Requests for deletion for XXXX XXXX XXXX  charge offs On XX/XX/XXXX I contacted customer service and spoke to a kind supervisor named XXXX after a lengthy call from another agent. I was told that the only investigation that was done on the XXXX XXXX  charge offs was a computerized submission to the creditors. 
As I mentioned in another complaint, the investigations must be impartial, but they must also be reasonable. Upon investigation, it is found that the submission and verification process takes only seconds and certainly is not thorough. Because of this, the two XXXX XXXX  charge offs contain information that is not accurate. On the one with the balance of {$2400.00} the year of birth with XXXX XXXX  is entirely different than it is on the Trans Union account and on the account with the balance of XXXX the date of last activity on the Trans Union account is different from XXXX and XXXX. Both of these accounts are also medical debt which I will report in a different complaint. 
15 USC 1681 ( I ) provides that I am to be given a REASONABLE investigation and these investigations must have been completed within 30 day period. The date for the REASONABLE investigation would have expired in XX/XX/XXXX. The investigation that shouldve been done should have also been impartial, but it was not impartial because it was handled 100 % by the creditor which is a business partner of Trans Union. 
a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
My rights under the fair credit reporting act have been violated. The investigation that I requested in XX/XX/XXXX should have been not only reasonable but IMPARTIAL but instead it was turned over for a split second decision by the creditors who are financially influenced by Trans Union. Because of this, the information is inaccurate on my credit report and Im requesting that the two XXXX XXXX  charge off accounts be deleted at once. 
Thank you 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