Consumer complaint received 2024-10-24 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: IN

Complaint narrative:
I am filing this complaint against TransUnion for failing to provide the specific information I requested regarding the verification of disputed negative items on my credit report, which includes inaccurate information about bankruptcy. I believe TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed a dispute letter to TransUnion, requesting an investigation into the inaccurate negative items reported on my credit report, including a bankruptcy with discrepancies. In my letter, I specifically requested the following information related to how they verified the disputed items : The Date TransUnion Contacted the Creditor : I requested the specific date on which TransUnion initiated contact with the creditor and the furnisher of the bankruptcy.

Contact Information for the Creditor : I asked TransUnion to provide the complete contact information for the creditor, including their business name, address, and any available phone numbers.

Name of the Person Who Verified the Item : I asked for the full name of the individual at the creditor 's end who verified the accuracy of the disputed information.

Method of Communication Used to Verify the Information : I requested details on how TransUnion communicated with the creditor ( e.g., phone, email, mail ) to verify the accuracy of the disputed items.

Did the Creditor Provide SSN, Address, and Date of Birth? : I asked whether the creditor provided any sensitive personal information such as my Social Security Number, address, or date of birth to verify the disputed items.

To help TransUnion verify my identity, I made sure to include a copy of my government-issued photo ID, Social Security card , and a recent utility bill with my current address in the dispute letter. On XX/XX/year>, I received a response from TransUnion stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party.

This response is unjustified, as I provided sufficient documentation to verify my identity. It is clear that the dispute request was sent directly by me, not a third party. TransUnions refusal to process my request violates the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit bureaus are required to conduct a reasonable investigation if a consumer disputes the completeness or accuracy of any item of information on their credit report. TransUnion 's refusal to provide the specific details I requested and their failure to conduct a reasonable investigation violates my rights under the FCRA.

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