Consumer complaint received 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent them a dispute letter on XXXX XXXX 2017 by Certified mail. ( They receive it on XXXX ). As I 'm patiently awaiting my 30 days to pass, on X/XX/17, I call them to verify if the the copy of the license and my social security card in my new last name that I attached to my dispute was sufficient for changing my name ( due to marriage )? I did n't want two different last names floating around on my credit file. On XXXX the US rep tells me that I need to fax in proof of my name change, which I think is strange since I 've already attached a copy of this same driver 's license and social security card to my original dispute letter, but I comply and fax in requested info on X/XX/17. On XXXX I get a letter from TransUnion ( dated XXXX ) stating that they need an extra 15 days since they 're in receipt of new information regarding my dispute. This is totally incorrect. The information i faxed was mutually exclusive and not at all related to my dispute. It was specifically to verify my legal name change due to marriage. This is not a dispute issue and had nothing to do with my Dispute letter. This letter confused me so I called and spoke with XXXX XXXX XXXX of Special Handling about 5 minutes ago. He was polite but literally could not defend the reason why Trans Union needed 15 extra days. He started with " it takes an additional 3-5 days to upload information in the system. That sounds like a TU problem to me and should be covered in the 30 day time frame. He goes on to state that " Since you sent in supporting documentation we need extra time ''. What I sent in was mutually exclusive and not supporting document related to my dispute. I asked him if the law in fact states that they have 30 days and if no response is received from the creditor, it had to be removed? He said " yes '' but some of the creditors stated they would n't have the info until XXXX and XXXX said XXXX. This is also not my problem. If the reporting companies do n't comply, they should remove it from my report. Am I wrong or missing something? I think they 're stalling on my dispute/verification. His grand finale of excuses was " we are receiving millions of disputes that we ca n't keep up. He explained that they all wo n't be handled in 30 days they and needed to ask for extensions. I do n't believe that a lack of proper forecasting on their business end should constitute a problem on my credit file. In addition, as of today X/XX/17, my name has already been changed from XXXX to XXXX, therefore they shouldnt need additional time on my dispute. Please help me. I believe this is a stall tactic which happens to be infringing upon my rights as a consumer.

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 explanation