Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Formal Dispute & Fair File Reinvestigation Demand ( FFRD ) Request for Detailed Explanation of Investigation Process, Documentation, and Post-Investigation Score Changes TransUnion continues to WILLFULLY fail to reinvestigate several collections disputed by me in compliance with FTC identity theft victims. 

TransUnion willfully decreased my score after the investigation in a retaliatory manner without explanation or reason Subject : Formal Dispute & Fair File Reinvestigation Demand ( FFRD ) Request for Detailed Explanation of Investigation Process, Documentation, and Post-Investigation Score Changes Creditor or Collector : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAmount {$540.00} Pursuant to the FCRA and specifically Section 611 ( 15 U.S.C. 1681i ), TransUnion is required to conduct a reasonable reinvestigation of disputed information. Therefore, I hereby formally demand a comprehensive, detailed explanation of the entire investigation process, including but not limited to : How TransUnion receives, processes, and acknowledges the receipt of my dispute. 
The specific steps taken to investigate the disputed information. 
The methodologies and criteria used to verify or refute the accuracy of the information. 
How and when TransUnion communicates with furnishers regarding the dispute. 
The types of documentation or evidence requested from furnishers. 
The way such documentation is reviewed, analyzed, and incorporated into the reinvestigation. 
How final determinations are made regarding the disputed items. 
The timeline for each step of the investigation, including any intermediate communications. 
Any internal controls or quality assurance procedures to ensure maximum possible accuracy, as required under FCRA 1681 ( a ) ( 6 ) ( B ) ( iii ).

The method by which my credit file is updated following the investigation.

Copies of all communications with furnishers, and copies of all documentation provided to or received from furnishers during the reinvestigation.

Further, I request copies of all documents and evidence reviewed or relied upon during the investigation and a written report of the investigation results, detailing the findings for each disputed item, including the rationale for any corrections, deletions, or confirmations of the information. 

Additionally, I request a review and disclosure regarding compliance with Consumer Mitigation Information ( CMI ) provisions under FCRA 605A ( 15 U.S.C. 1681c-1 ). Please confirm whether any information flagged as CMI was handled properly and in accordance with applicable laws. Failure to comply with CMI requirements constitutes a violation of federal law and may result in regulatory action.

Furthermore, I demand a detailed explanation for the recent drop in my credit score following the completion of the dispute investigation. Specifically, I request : A clear and detailed explanation of why my credit score decreased after the dispute was resolved.

Identification of any changes made to my credit report as a result of the dispute investigation that may have contributed to the score drop. 
An explanation of how these changes align with TransUnion 's scoring model and reporting practices. 
Documentation of any communications or actions taken by TransUnion that may have impacted my credit score post-investigation.

Please be advised that under FCRA 1681i, you have 30 days to complete the reinvestigation and provide me with a full written response, including all requested explanations and documentation.

Relevant Laws and Regulations : Your duties and obligations under federal law include, but are not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x Section 611 of the FCRA ( 15 U.S.C. 1681i ) reinvestigation procedures Section 1681 ( a ) ( 6 ) ( B ) ( iii ) procedures to ensure maximum possible accuracy Section 605A of the FCRA ( 15 U.S.C. 1681c-1 ) Consumer Mitigation Information Fair and Accurate Credit Transactions Act ( FACTA ) of 2003 Consumer Financial Protection Bureau ( CFPB ) Regulation V ( 12 CFR Part 1022 ) Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) furnishers duties Please treat this letter as a formal dispute under the FCRA and a demand for compliance with all applicable federal laws and regulations regarding credit reporting accuracy and reinvestigation. 

Failure to comply with these requirements will result in complaints to the CFPB, Federal Trade Commission, and other enforcement bodies, as well as potential legal action. 

I expect a thorough and transparent response within the 30-day statutory period, including all requested documentation and explanations. 

Thank you for your immediate attention to this matter

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