Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir/Madam CFPB, I am writing to address the unresolved disputes on my consumer report and request a prompt resolution in accordance with the Fair Credit Reporting Act ( FCRA ). By the way, i'm in my bedroom on my XXXX writing this out which is causes time and effort unnecessary means to this issue. 

Despite providing all necessary documentation and following the proper procedures, Transunion has failed to conduct a thorough investigation, provide a timely response, and remove the disputed items from my credit report. 
I sent certified mail on XX/XX/2023. Transunion acknowledged receiving documents on XX/XX/2023. I have the tracking number ( XXXX ) and a copy of their signature from USPS Transunion accepting items in question and personal information and supporting documents. 

I urge Transunion to take immediate action to rectify this matter to avoid any courts intervention. 

The FCRA mandates that credit bureaus conduct a reasonable investigation and provide a written resolution within 30 days of receiving a dispute. 

However, it has been well beyond the required timeframe, and I have not received any substantial response or resolution from Transunion, what shame. This failure to comply with the FCRA 's guidelines not only undermines the integrity of the dispute resolution process but also negatively impacts my financial well-being.

Given the credit bureau 's noncompliance with the FCRA and the extended period of time that has passed, I assert that the disputed items should be promptly removed from my credit report along with updated personal information.

The absence of a timely response and resolution demonstrates a failure on the part of Transunion to fulfill its obligations and protect my rights as a consumer.

Therefore, I kindly request the following : Timely Resolution : I urge Transunion to conduct an immediate and thorough investigation into the disputed items on my credit report such as personal information.

Removal of Disputed Items : In light of the extended period of time that has passed since I initiated the disputes, I request the prompt removal of all disputed items from my credit report. The failure to provide a timely response and resolution should be taken as evidence of the inaccuracies of these items.

Credit Report Update : Upon the removal of the disputed items, I request that Transunion updates my consumer report accordingly to reflect the accurate and fair information. I also request that Transunion notifies all relevant parties, including creditors and lenders, of the resolution to ensure the accuracy and fairness of my credit profile.

I trust that Transunion will address this matter with the utmost urgency and provide a written response within 15 calendar days to ensure the timely resolution of these disputes. 

Failure to comply with the FCRA and neglecting to take appropriate action will necessitate further escalation of this issue. 

Thank you for your attention to this matter. I anticipate your prompt response and a satisfactory resolution that upholds the principles of the FCRA. 

Sincerely, concerned consumer