Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Consumer Complaint Against TransUnion for FCRA Violations on Multiple Accounts and Inaccurate Personal Information Description of the Issue : I am filing this complaint against TransUnion for failing to address multiple requests regarding debt validation, reinvestigation of disputed accounts, and correction of inaccurate personal information on my credit report. Despite sending multiple written requests, TransUnion has not responded within the FCRA-required timeframes, violating my rights.

Accounts in Question and Incorrect Addresses : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Timeline of Communication : Initial Request to Correct Inaccurate Information - On XX/XX/XXXX, I mailed TransUnion a request to remove incorrect addresses on my credit report ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). FCRA Section 611 ( a ) ( 1 ) ( A ) mandates that consumer reporting agencies maintain accurate personal information. TransUnion has neither acknowledged nor acted upon this request, resulting in ongoing inaccuracies in my credit file.

Validation of Debt Request - On XX/XX/XXXX, I sent a letter to TransUnion requesting validation of the debts associated with the accounts listed above, per my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). TransUnion was required to investigate and respond within 30 days ( or 45 days if additional documentation was provided ). This timeframe has passed without a response from TransUnion, in violation of the FCRA.

Reinvestigation Request - On XX/XX/XXXX, I sent a reinvestigation request to TransUnion due to its failure to validate the debts or provide any response. Under FCRA Section 611 ( a ) ( 6 ), TransUnion is required to notify me of the results of any investigation or reinvestigation. However, no documentation or response was provided.

Final Follow-Up - On XX/XX/XXXX, I sent a final follow-up letter to

reiterate my requests for validation of debt, reinvestigation, and correction of the inaccurate addresses. To date, TransUnion has not responded to any of these requests or provided any communication, in violation of the FCRA. Relevant FCRA Violations : TransUnions failure to investigate and respond constitutes multiple violations of the FCRA : Failure to Investigate Disputed Information ( Section 611 ( a ) ( 1 ) ( A ) ) : The FCRA requires consumer reporting agencies to investigate disputes within 30 days of receipt ( or 45 days if additional documentation is submitted ). TransUnion has failed to respond within the legally mandated timeframe. Failure to Provide Investigation Results ( Section 611 ( a ) ( 6 ) ) : TransUnion is required to provide a notification of the results of an investigation or reinvestigation to the consumer. TransUnions lack of response and failure to provide documentation on the disputed accounts and personal information violates this requirement. Failure to Maintain Accurate Consumer Information ( Section 611 ) : TransUnion has refused to correct inaccurate addresses on my credit report
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This

negligence violates FCRA requirements for accuracy in consumer records. Documentation Provided : For review, I am enclosing copies of all letters sent to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with my identification. These documents demonstrate TransUnions repeated failures to respond within the required timeframes and comply with FCRA requirements. Conclusion :
TransUnions repeated failure to respond, validate debts, investigate disputes, and correct personal information constitutes a violation of my rights under the FCRA. I request the CFPBs assistance in enforcing compliance with federal law and ensuring my credit report is promptly corrected.