Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX I mailed a dispute to XXXX in regards to a transactions that was furnished as late on my consumer report. XXXX received my dispute letter ( see exhibit A, B, C in attachment below ). Certified mail number XXXX 15 USC 1681i speaks on accuracy of the consumer report. 
XXXX XXXX XXXX speaks on a consumer reporting agency furnishing accurate consumer reports ; accuracy means all values are correct. 
XXXX did not reply back I requested a reinvestigation of the disputed item 15 USC 1681i Reinvestigation of Disputed Information 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 l, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX  day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX  day period described in subparagraph ( A ) XXXX be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX  day period that is relevant to the reinvestigation. 

( C ) Limitations on extensions of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX  day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the found to be inaccurate or incomplete or the consumer reporting agency determines that the consumer file must be deleted in XXXX  days. 

Reinvestigations of disputed information Reinvestigation required 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 ( XXXX ), before the end of the XXXX  day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( XXXX ) Treatment of Inaccurate or Unverifiable Information In General If after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) Promptly delete the item of information from the file of the consumer, or modify that item of the information, as appropriate, based on the results of the reinvestigation ( XXXX ) promptly delete from the file of the consumer, or modify that information that has been modified or deleted from the file of the consumer. 

See case law Cushman v. Trans Union Corp., 920 F. Supp. 80 ( E.D. Pa. 1996 )

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