Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX DOB : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Failure to Respond Within 30 Days / Failure to Provide Method of Verification Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, On XX/XX/XXXX, I submitted a formal dispute of inaccurate credit reporting regarding the above-referenced account via XXXX, which you received on the following dates : TransUnion : Received XX/XX/XXXX Experian : Received XX/XX/XXXX This dispute was submitted pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which clearly states : " If the completeness or accuracy of any item of information... is disputed by the consumer and the consumer notifies the agency... the agency shall, free of charge, conduct a reasonable reinvestigation ... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute. '' As of today, XX/XX/XXXX, both TransUnion and Experian have failed to provide any written results of their investigations. This constitutes a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

The law is clear if a Consumer Reporting Agency ( CRA ) fails to complete its investigation within the statutory 30-day timeframe, the disputed information must be deleted. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : " If, after any reinvestigation, an item of information is found to be inaccurate or can not be verified, the information shall be promptly deleted from the file of the consumer. '' Furthermore, in my initial dispute, I explicitly stated : " If this account is verified as accurate, I demand a Method of Verification ( MOV ) pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), to be provided within 15 days after verification. '' No such MOV has been provided. This is a violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires the CRA to provide the consumer with the name, address, and telephone number of the furnisher, and a description of the procedure used to determine the accuracy of the information. 

Case Law Supporting Removal : XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX CRA must do more than rely on the furnisher ; it must conduct an independent and meaningful investigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Failure to verify disputed data within the FCRAs timeframe requires deletion. 
XXXX v. Equifax XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX XXXX, XXXX ) Information not verified within the statutory period must be removed from the consumers credit file. 

XXXX Disputes Hold Equal Legal Weight This dispute was submitted via the Consumer Financial Protection Bureaus portal. Under the FCRA, there is no distinction in legal weight between disputes submitted directly to a CRA and those submitted through the CFPB. Both are governed under 15 U.S.C. 1681i, and both must be handled with the same diligence and statutory compliance. 

My Demands : Immediate and permanent deletion of the XXXX XXXX XXXX account ( XXXX ) from my TransUnion and Experian credit reports, as the statutory investigation period has expired. 
If you choose to disregard the above and instead verify the account, I again demand a full MOV to be provided within 15 days of verification, not 30.

No updates, corrections, or fixes to the disputed data will cure your violation the 30-day window has passed, and the law provides for deletion, not modification, at this point.

Failure to comply will result in immediate escalation, including additional CFPB complaints, state attorney general notification, and consideration of civil remedies for willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief