Consumer complaint received 2024-08-05 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: MS

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things were incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX ] & [ XXXX XXXX ] are not complete and accurate. 

I sent a notarized affidavit highlighting the inaccurate accounts and asking them to make sure everything is complete and accurate and here is my tracking number - XXXX ( they received it on XX/XX/XXXX2024 ). 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 

And according to 15 USC 1681i 5 they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Since they did not, I sent another letter on XX/XX/XXXX2024 - Tracking XXXX, requesting them to provide me a description of the investigation according to XXXX XXXX XXXX ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

That letter was delivered on XX/XX/XXXX2024 and they did not adhere to that either as no response was received within 15 days and no items were updated/removed. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Attachments : - XXXX XXXX- highlighting inaccuracies on XXXX XXXX - XXXX inaccuracies - highlighting inaccuracies on XXXX XXXX XXXX XXXX - TransUnion part XXXX XXXX - showing that the inaccuracies have not been changed as of XX/XX/XXXX/24 - Initial letter Affidavit - signed XX/XX/XXXX24 - Transunion Reply - XX/XX/XXXX XXXX 15 USC 1681i ( 7 ) letter ( sent XX/XX/XXXX24 )

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