Consumer complaint received 2025-01-18 00:00:00
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.
State: PA

Complaint narrative:
I am writing to formally address serious concerns regarding the handling of my recent credit report dispute ( XXXX ) and the investigations conducted by TransUnion. 

I have identified several errors on my credit report, which I have previously disputed and provided supporting documentation to resolve. Unfortunately, the results of your investigation ( XXXX ) have been unsatisfactory, and the errors remain uncorrected. It is evident that the investigations conducted by TransUnion are neither thorough nor fair, as the errors persist despite clear evidence demonstrating their inaccuracies. 


I am deeply concerned that TransUnion 's investigation process is not in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct reasonable investigations into disputes and correct any inaccuracies. The repeated failure to resolve these issues in a timely and accurate manner raises doubts about the legitimacy and thoroughness of your review process. 

In accordance with the FCRA, I request that TransUnion immediately re-investigate these disputes with the appropriate level of diligence, ensuring that all information provided to you is reviewed and corrected as necessary. I also request that you send me a detailed explanation of the steps taken during the investigation and provide a comprehensive summary of the findings. 

If the inaccuracies are not corrected within the statutory XXXX period or if I continue to receive unsatisfactory responses, I will be forced to consider further actions, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ), as well as potentially seeking legal counsel. 

I trust that TransUnion will take the necessary steps to address this matter promptly and rectify the errors on my credit report. Please confirm receipt of this letter and provide an update on your investigation at your earliest convenience. 

Thank you for your attention to this important issue. I look forward to your prompt and thorough resolution of my dispute. 




on numerous occasions, i have contacted Transunion to fix errors on my account and i asked for proof of their investigation and i got nothing. 
with the recent lawsuits against XXXX and XXXX i will explicitly say do not accept the findings of the furnishers who do not provide a thorough result of their investigation which i ask you provide me in exact detail. 

please delete disputed information within the required timeline outlined by the FCRA law which is federal law also i can not download the dispute results even though nothing was changed due to technical error and i have reached out numerous times accounts i need deleted from your sham investigation are as followed XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX different from the XXXX above XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have submitted numerous disputes over the last year for all these accounts via portal and mail, and received nothing but sham investigations also delete every inquiry that is not tied to an account cause i did not authorize any of them

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