Consumer complaint received 2025-07-07 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: MD

Complaint narrative:
This is my third CFPB complaint to TransUnion in the last 45 days due to their continued failure to comply with the FCRA. This CFPB complaint also serves as a formal demand to TransUnion : If you do not fully resolve the issues raised in this complaint within XXXX calendar days, I will take further legal and regulatory action. This includes filing a formal complaint with the Federal Trade Commission ( FTC ) and submitting all evidence to the Office of the Maryland Attorney General, including a recorded phone call with TransUnion from XX/XX/XXXX, confirming your internal system failures and gross mishandling of my previous CFPB Complaint ID : XXXX ; I have attached this recorded call to this here CFPB Complaint. I reserve the right to pursue legal action under the Fair Credit Reporting Act ( FCRA ) for continued obstruction, failure to properly investigate in good faith, and violation of my dispute rights under federal law.

I strongly urge TransUnion to treat this complaint with the urgency and compliance required by the FCRA. Any further delay, misrepresentation, or conflation of unrelated disputes will be viewed as additional willful noncompliance.

To be clear, my original dispute of the XXXX accounts was mailed to TransUnion on XX/XX/XXXX, and again on XX/XX/XXXX. The FCRA mandates that credit reporting agencies complete investigations within 30 days ( 15 U.S.C. 1681i ). TransUnion has failed to do so. It is now well over 75 days since that original dispute, and they continue to evade accountability by closing unrelated disputes, misreporting outcomes to the CFPB, and blocking me from exercising my right to dispute online.

I am demanding that this entire mishandled timeline be investigated. This includes XXXX willful delays, misrepresentation of facts, and failure to follow statutory timelines under the FCRA.

Summary of the Issue : TransUnion has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and resolve disputes I have submitted regarding inaccurate, outdated, and unverifiable student loan accounts, and inconsistent access to their online dispute portal. Most critically, my original dispute concerning XXXX accounts was submitted by mail on XX/XX/XXXX and as of XX/XX/XXXX, the matter remains unresolved, with TransUnion providing false and misleading updates to the CFPB ( Complaint ID : XXXX ). 

1. Failure to Complete Investigation Within Required Timeline ( FCRA 1681i ) : On XX/XX/XXXX, I mailed a formal dispute to TransUnion regarding two XXXX student loan accounts that were inaccurately and unlawfully reported. Under 15 U.S.C. 1681i ( a ), TransUnion was required to complete a reasonable reinvestigation within 30 calendar days, by approximately XX/XX/XXXX. 

They failed to do so and continued reporting the accounts as verified, despite discrepancies in XXXX own credit reporting from XX/XX/XXXX, showing a past due removal date of XX/XX/XXXX. Additionally, in a XX/XX/XXXX letter, XXXX acknowledged it does not know the XXXX and was unable to verify the accounts. 

XXXX. Improper Closure of CFPB Complaint ID : XXXX ( Filed XX/XX/XXXX ) : On XX/XX/XXXX, I filed a CFPB complaint due to TransUnions lack of investigation into my XXXX dispute. Rather than investigate, TransUnion issued the following misleading response : The dispute investigation ( s ) that were initiated for the following account ( s ) have been cancelled at your request : DEPT OF ED / XXXX ( XXXX ) This is false and deliberately misleading. In a recorded call to TransUnion on XX/XX/XXXX, I explicitly informed TransUnion that I wanted to continue the investigation through CFPB channels, not cancel it. They manipulated the fact that I canceled an online portal dispute to falsely claim that I withdrew the entire CFPB complaint filed six weeks earlier. This is highly unacceptable, bad-faith behavior. As previously stated, I have attached this recorded call to this here CFPB complaint. If TransUnion continues to unlawfully delay the removal of the XXXX accounts and engage in conduct that remains non-compliant with the FCRA, I am fully prepared to escalate this matter to the Federal Trade Commission ( FTC ), the Maryland Attorney Generals Office, any other appropriate regulatory body, or pursue legal action in court if necessary.

3. Improper Use of 60-Day Extension : TransUnion initially requested a 60-day extension for responding to my XX/XX/XXXX CFPB complaint a request that should only be used when additional time is needed to conduct a meaningful reinvestigation. Instead, they waited until the final few weeks of that window ( XX/XX/XXXX ) to : Cancel the dispute based on false pretenses.

Only acknowledge an employment data deletion ( already handled by phone on XX/XX/XXXX ). 

Ignore all issues related to the inaccurate and unverifiable closed XXXX accounts. 

This demonstrates that the 60-day request was a bad-faith stalling tactic rather than a genuine need. Therefore, TransUnion should not be permitted to request or rely on another 60-day extension, as the original investigation timeline began on XX/XX/XXXX, with my mailed dispute, meaning the statutory deadline for resolution has long since passed.

4. Requested Resolution : I respectfully demand that TransUnion take the following corrective actions without any further delay : 1 ) Conduct a Proper Reinvestigation : Immediately and thoroughly investigate the issues raised regarding my XXXX student loan accounts, which were disputed by mail on XX/XX/XXXX, XX/XX/XXXX, and again in my XX/XX/XXXX CFPB complaint, in full compliance with the Fair Credit Reporting Act ( FCRA ).

2 ) Correct Inaccurate Credit Reporting : Remove all inaccurate, unverifiable, or outdated information related to the disputed XXXX student loan accounts from my credit file. I have attached a letter from XXXX proving the two XXXXDept . of Education closed accounts that are now unverifiable due to XXXX inability to provide a DOFD. 

3 ) Remove Technical Barriers : Resolve the XX/XX/XXXX dispute system blockage in TransUnions online dispute portal, which is currently preventing me from exercising my FCRA right to initiate new disputes. I detail this issue in addition to the investigation and removal of 8 hard inquiries and 2 unverified collection accounts in my XX/XX/XXXX CFPB Complaint ( ID : XXXX ). 

Demand for Action and Legal Notice If this matter is not resolved within 15 calendar days, I will take the following actions : Submit formal complaints to the Federal Trade Commission, the Maryland Attorney General, and state and federal legislators Pursue legal action against TransUnion under 15 U.S.C. 1681n and 1681o, for willful and negligent noncompliance Submit a formal demand letter with all supporting documentation, including a transcription of the recorded call from XX/XX/XXXX, with a monetary relief demand in the amount of {$1000.00} for each of the following multiple FCRA violations TransUnion has committed : 1 ) Misrepresentation to a Federal Agency : Submitting materially false or misleading information to the CFPB in response to my formal complaint.

2 ) Abuse of the 60-Day Extension Process : Misusing the 60-day extension period provided by the CFPB as a bad-faith tactic to delay and sidestep a proper investigation.

3 ) Improper Dispute Conflation : Deliberately combining unrelated disputes in an attempt to appear compliant and obscure unresolved issues.

4 ) Systemic Violation of Dispute Rights : Blocking my ability to submit new online disputes due to unresolved internal system errors, in direct violation of my rights under 15 U.S.C. 1681i.

5 ) Continued Reporting of Unverified and Outdated Accounts : Persistently reporting student loan accounts that are both disputed and unverifiable, despite lacking proper documentation to justify their inclusion.

This behavior is a pattern of abuse not a clerical error and I will take every measure to ensure TransUnion is held accountable for violating my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief