Consumer complaint received 2024-09-19
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. (IL)

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Subject : Urgent Formal Complaint Against TransUnion for Persistent Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to lodge a formal and urgent complaint against TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple dispute letters sent over several months, TransUnion has continually failed to remove unauthorized, incomplete, and unverifiable items from my credit report. This negligence is causing me significant financial harm and is a blatant violation of federal law. 

Summary of Events : First Dispute Sent : On XX/XX/2024, I sent a letter to TransUnion demanding the removal of unauthorized inquiries and accounts, such as those from XXXX XXXX, XXXX, XXXX XXXX XXXX, and others. I requested that TransUnion provide verifiable proof of these items or remove them if they could not be verified ( XXXX ). 

Second Dispute Sent : On XX/XX/2024, after no corrective action was taken, I sent a follow-up letter reiterating my request for removal. I demanded that TransUnion provide details of the verification process as required by law ( XXXX ). 

Third Dispute Sent : On XX/XX/2024, I sent yet another letter demanding immediate action regarding the same unauthorized inquiries and accounts. Despite these efforts, TransUnion has completely ignored their legal obligations under the FCRA ( XXXX ). 

Items to be Removed : XXXX XXXX, Hard Inquiry, XXXX XXXX, Hard Inquiry, XXXX XXXX XXXX XXXX, Account : XXXX XXXX, Account : XXXX... ( and many others ) Request for Immediate Action : I demand that the CFPB initiate an investigation into TransUnions persistent non-compliance with the FCRA. It has been over 45 days since I initially contacted TransUnion, and they have failed to provide any verifiable proof of the disputed items. Under the law, these items must be removed immediately if they can not be verified. TransUnions failure to act not only violates federal law but also continues to damage my creditworthiness. 

I request that the following be addressed without further delay : Immediate Removal of Unauthorized Inquiries and Accounts : All unverifiable and unauthorized items should be promptly deleted from my credit report. 
Full Disclosure of the Verification Process : TransUnion must provide documentation showing how these items were verified, including the name, address, and contact information of the entities involved in the verification process, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Compensation for Damages : I am seeking compensation for the financial harm caused by TransUnions ongoing failure to comply with the law.

If TransUnion does not act immediately, I will pursue legal action and request further penalties for their negligent non-compliance, as allowed under 15 U.S.C. 1681n.

Thank you for your immediate attention to this matter. Please feel free to contact me if any further documentation or information is required. 

Sincerely, XXXX XXXX XXXX