Consumer complaint received 2024-10-15
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. (NY)

USPS form 3811 No. XXXX was recieved and signed for from TransUnion it was a request was not answered. I requested that XXXX XXXX 's information to be removed off of my credit report. I sent a follow up letter last week USPS Form 3811 ; XXXX XXXX XXXX XXXX XXXX. Since this matter has to deal with Identity Theft these matters are to be resolved in 4 days 15 U.S.C. 1681c-2 Re : Failure to Comply with the FCRA Removal of Disputed Information CFPB Complaint Numbers : XXXX, XXXX Dear Sir/Madam, I am writing to formally notify you that your company has failed to adhere to the federal requirements under the Fair Credit Reporting Act ( FCRA ), specifically concerning the handling of disputed and fraudulent information on my credit report. 

Timeline of Events : Complaint Filing : On XX/XX/year> I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and fraudulent information on my credit report. We are approaching the within 30 day response time. 
Response Time Requirement : Under the FCRA, you are required to complete your investigation and remove disputed information within 30 days from the date of my complaint, with an additional 15-day extension permitted under specific circumstances, requiring notice of the need for an extention. However, for cases involving identity theft, the FCRA mandates that the fraudulent information be blocked and removed within four business days of receiving the proper identity theft documentation ( 15 U.S.C. 1681c-2 ). Which my case fits this particular situation.

Despite providing all the necessary documentation proving identity theft and disputed information, your company has failed to act within the required timeframes. The outstanding issues include that I owe anything to XXXX XXXX XXXX XXXX I have attached the three other credit bureaus data that shows the accounts has been closed. I would appreciate if your company would also respond in kind.

FCRA Violations : Your failure to investigate and remove the disputed information within the legally mandated timeframe is a clear violation of the FCRA. I have suffered harm to my credit standing and financial reputation due to your company 's cooperative agreements and contracts covering for XXXX XXXX XXXX Notice of Data Breach that your subsidiary company XXXX  responded to and provided the Notice of Data Breach .

Consequences of Continued Non-Compliance : If the inaccurate and fraudulent information is not removed from my credit report by [ specific date, which should be 30 days from today 's date or 4 days for identity theft ], I will have no choice but to take further legal action, including filing a claim in small claims court for damages arising from your lack of response causing violations of the FCRA. 

I trust you will treat this matter with the urgency it deserves and ensure full compliance with federal regulations. Failure to act promptly will force me to escalate this issue through the court system. TransUnion has not corrected the record to show a XXXX balance on the XXXX XXXX  account. 

Please provide written confirmation that the disputed items have been corrected and removed from my report. 

Sincerely, XXXX XXXX XXXX XXXX [ CFPB Complaint Numbers : XXXX, XXXX ]