Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Second Formal Dispute Failure to Conduct a Proper Investigation and Data Security Breach ( Fair Credit Reporting Act FCRA ) To Whom It May Concern : I am writing to formally dispute your handling of my previous credit dispute regarding inaccurate debt collectorrelated information and charge-off accounts listed on my TransUnion credit report. I previously received a response from your office stating that the information had been verified and found to be accurate. However, TransUnion failed to conduct a proper and reasonable investigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

After receiving your response, I contacted the debt collector directly. They confirmed that they did not report any such debt collector information to your agency. This means your verification was not based on an original source or valid documentation. Therefore, the disputed information remains unverified and inaccurate, and it must be deleted or corrected immediately. 

Furthermore, it has been publicly reported that TransUnion recently experienced a data breach, compromising consumer information. Given this breach, the accuracy and integrity of the data you maintain are now in serious question. Continuing to verify or report information that can not be substantiated or properly sourced constitutes a willful violation of the FCRA. 

Under the Fair Credit Reporting Act, TransUnion is legally required to : Conduct a reasonable reinvestigation of any disputed information ; Contact the original source of the data to confirm its accuracy ; and Delete or correct any information that can not be verified. 

Because you did not fulfill these obligations and due to the data integrity concerns stemming from the breach, I demand that you : Reopen my dispute and conduct a full and proper reinvestigation ; Provide written documentation identifying the exact source used to verify the disputed information ; Remove or correct all inaccurate debt collector and charge-off information immediately ; and Provide a corrected copy of my TransUnion credit report reflecting the updates. 

If you fail to properly investigate or correct this matter within 30 days of receiving this letter, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may consider legal action to enforce my rights under federal law. 

Enclosed are copies of correspondence with the debt collector confirming they did not furnish the disputed information, as well as a copy of your previous verified response for reference. 

Please confirm receipt of this letter and notify me of the results of your reinvestigation in writing. 

Sincerely, 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 explanation