Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal complaint against TransUnion for its failure to conduct a reasonable investigation into my credit dispute, as required under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). Their handling of my dispute demonstrates blatant noncompliance with federal law, and I intend to pursue all available legal avenues to rectify this matter. 

Failure to Conduct a Reasonable Investigation On XX/XX/year>, I submitted a credit dispute to TransUnion regarding an account XXXX XXXX XXXX ( XXXX ) reported. That same evening, I mailed a package containing XXXX pieces of supporting evidence, along with a detailed response letter, to substantiate my claim. Given standard mailing times, TransUnion likely did not receive my documentation until at least XX/XX/year>. Under the FCRA, TransUnion had five business days to forward my dispute to XXXX. This means XXXX would not have received the dispute and supporting documentation until approximately XX/XX/year>. Despite this, TransUnion marked the dispute as resolved on XX/XX/XXXX, XXXX full day before XXXX would have even received the dispute, let alone conducted a legitimate review. This is clear evidence that no meaningful reinvestigation took place. 

A thorough reinvestigation would have required XXXX to : 1. Review all XXXX pieces of evidence I submitted. 
2. Verify the legitimacy of the disputed charges. 
3. Contact XXXX XXXX XXXX XXXX ( the original creditor ) to obtain their supporting documentation. 

The timeframe in which TransUnion marked my dispute as resolved is simply not feasible for a legitimate investigation to have occurred. The XXXX of XXXX fell on a Friday, meaning TransUnion likely did not forward my dispute to XXXX until the following Monday, XX/XX/year>. However, XX/XX/XXXX was a federal holiday ( XXXX XXXX XXXX XXXX XXXX ), further delaying the process. Yet, TransUnion somehow completed the dispute investigation by XX/XX/year>. This is indisputable proof of an inadequate and negligent investigation in violation of the FCRA. 

Lack of Transparency and Failure to Provide Results When I contacted TransUnion 's customer support to inquire about their investigative process, I was informed that they generate a verification request to the data furnisher. The data furnisher ( XXXX  ) is provided with all relevant dispute documentation and asked to verify the accuracy of the reported information. However, when I asked for specific details regarding my dispute, TransUnion refused to provide any information. 

Moreover, TransUnion never sent me a written notice of the dispute resolution results, which is a direct violation of the FCRA. According to 15 U.S.C. 1681i ( a ) ( 6 ), TransUnion was required to send me a letter informing me of the outcome of my dispute, yet it failed to do so. I also never received an email or any other form of communication notifying me of the resolution. 

Discrepancy in Account Removal Additionally, my wife disputed the same account with TransUnion. However, unlike my dispute, her account was successfully removed from her credit report. There is no rational basis for why the same disputed account was deleted from one consumer 's report but not the other. This inconsistency further highlights TransUnion 's failure to conduct a fair and reasonable investigation. 

Legal Action and Next Steps TransUnion has demonstrated willful noncompliance with the FCRA by : Failing to conduct a reasonable reinvestigation within the legally required timeframe. 
Resolving my dispute before the data furnisher even had an opportunity to review it. 
Failing to provide me with the legally required dispute resolution results. 
Handling identical disputes inconsistently between my wife and me. 

This is unacceptable. If TransUnion does not take immediate corrective action to rectify these violations, I will explore every legal avenue available to me. This includes filing complaints with the Federal Trade Commission ( FTC ), the XXXX XXXX XXXX XXXX XXXX XXXX and my states Attorney General. Furthermore, I am prepared to pursue legal action, including filing a lawsuit against TransUnion, should they continue to fail to comply with legal obligations.