Consumer complaint received 2023-10-25 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: SC

Complaint narrative:
I requested an investigation from TransUnion on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XXXX. I this investigation I requested the validation of the following accounts. 

1. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXX XXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
2. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
3. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
4. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT ED/XXXX  Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
5. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
6. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXXXXXX XXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
7. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. 
XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
8. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have stated this account has been purchased to another lender, please delete this account immediately. 
9. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have stated this account has been purchased to another lender, please delete this account immediately. 

To this day, these account still remain as is on my credit report and validating documents have been provided to proof the accounts are accurate. This is a violation of the FCRA as I requested a formal investigation.

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