Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my wife and I spoke with a female representative from TransUnion regarding unauthorized inquiries on my credit report ( XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ). During this call, the representative informed us that : I would not be able to dispute the inquiries in question over the phone, claiming that I needed to provide documentation or reach out to the furnisher directly I would not be allowed to record our conversation When I requested to speak with an immediate supervisor about these issues, the representative denied this request, stating that TransUnion 's policy is to have a supervisor call back within 72 hours. This is both unprofessional and extremely inconvenient, as it unreasonably delays resolution of time-sensitive credit issues and prevents consumers from escalating legitimate concerns in real-time.

Regarding the recording prohibition, I am located in Georgia, which is a one-party consent state. Under Georgia law ( O.C.G.A. 16-11-66 ), I have the legal right to record telephone conversations as long as I am a party to the co
nversation, without needing to obtain consent from the other party.

Laws and Regulations Violated TransUnion 's actions violate the following laws and regulations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) - Which requires consumer reporting agencies to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute from a consumer. The FCRA does not limit the method by which consumers can initiate disputes.

FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - Which requires prompt deletion of information found to be inaccurate, incomplete, or unverifiable following an investigation.

CFPB Regulation V, 12 C.F.R. 1022.43 - Which implements the FCRA 's requirements for the consumer dispute process and reinforces consumers ' rights to dispute inaccurate information through various channels.

FCRA, 15 U.S.C. 1681s-2 ( a ) ( 8 ) - Which establishes requirements for furnishers to investigate direct disputes from consumers, but does not eliminate the credit bureau 's obligation to accept and process disputes directly.

Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) - Which prohibits " unfair or deceptive acts or practices in or affecting commerce, '' including misrepresenting available dispute methods or maintaining non-functional dispute systems while claiming they are operational.

Georgia Surveillance Law ( O.C.G.A. 16-11-66 ) - Which permits one-party consent for recording telephone conversations, making TransUnion 's prohibition against my recording the call contrary to my legal rights under state law.

CFPB 's Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions - TransUnion 's policy of delaying supervisor escalation by 72 hours constitute an unfair practice by creating unreasonable barriers to resolving disputes and exercising consumer rights under the FCRA. 

Furthermore, I have attempted to use the online dispute option on the TransUnion website, but this system has been non-functional for several months. The company continues to misrepresent this option as available to consumers, when in reality it is not accessible. This situation has created significant barriers to exercising my legal right to dispute unauthorized inquiries. 

Impact and Damages The inability to dispute the unauthorized inquiries has caused direct harm to my credit report and score. This damage has hindered my ability to : Obtain favorable interest rates on loans Qualify for certain financial products Proceed with important financial decisions Each day these unauthorized inquiries remain on my report represents ongoing financial harm and damage to my creditworthiness.

The 72-hour delay in supervisor escalation further compounds this harm by unnecessarily prolonging resolution timeframes for urgent credit issues.

Previous Attempts to Resolve This complaint documents my first formal attempt to resolve this issue after : The initial phone call described above Request for immediate supervisor escalation, which was denied Multiple attempts to use the non-functional online dispute system over the past several months