Consumer complaint received 2023-09-01 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: TX

Complaint narrative:
On XX/XX/XXXX I sent a list of disputes via certified mail to transunion. I received nothing in regards to my letter and was given no information on any investigation. I called and was told my letter was received but would not be processed, even tho it was mailed certified, along with my state issued Drivers License as well as a copy of my bank statement for address verification. They failed to even process my letter and even stated on the phone that they received a fax copy that was blurry. This was impossible as I personally mailed and signed my letter with blue ink and printed in color. I have the delivery verification. The letter disputed a long list of negative accounts and I made clear to the agent that I was holding them accountable for the letter and all the disputes it listed as there was no valid reason it was not processed. 

On XX/XX/XXXX, I sent another dispute letter with additional requests to validate and send me proof of their investigation. Most I requested the proof along with proof of payment status since the account was open. I have delivery verification on this letter as well. 

This time, I did receive a response letter. HOWEVER, I did NOT receive any proof of their investigations at all. Simply their statement on my report that the items were " verified as accurate ''. I received nothing in regards to paperwork proving the accuracy, just their word that the investigation was complete and verified. I asked for proof and they're failed to supply me with any proof from these companies that verified these accounts and their balances or payment history. 

Transunion has been given more than enough time to collect this information, especially if they have " verified '' the accounts as accurate. They certainly failed to send me the proof of the investigation/paperwork of accounts and payment history from the opening of each account proving that there were any late payments or payments made on time or statements showing any kind of accuracy of the transactions made to obtain these totals. 
They failed BIG TIME with my first dispute letter and they should be held accountable for that. No one should have their letter disregarded when it was personally signed, sent via certified mail and sent with adequate verification for identification ( state issued license and copy of my bank statement ). So for them to again mishandle my next letter by not sending me the proof I requested in the time frame they are legally given... .transition should do what they are legally bound to and delete any and all accounts they did not supply me with proof from these companies showing any payment history, monthly statements proving the amount from the opening of the account to prove the totals due and how they got that amount or any proof that verified these accounts to other than their word they did the investigation. Their word is not proof and they did not supply me with any proof. 
We trust these breaus to do the investigations accurately and when proof is requested they should do that. I'm left to wonder how they got these totals, proof of any payments or missed payments. Or if these companies legally own the accounts at all! 
Two+ months they have had for these investigations so not to send me the requested proof is unacceptable.

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