Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
============================================================ FCRA 611 NON-COMPLIANCE FAILURE TO COMPLETE REINVESTIGATION ============================================================ Date : XX/XX/XXXX Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX : XX/XX/XXXX | SSN ( Last XXXX ) : XXXX Email : XXXX | Phone : XXXX Subject : Failure to complete reinvestigation within 30 days Demand for deletion of unverified information Company : TransUnion LLC Disputed Tradeline : XXXX  XXXX Account Number : XXXX Delivery ( for record ) : Submitted via CFPB.gov complaint portal To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I. BACKGROUND & TIMELINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, I submitted a detailed dispute via the CFPB portal concerning the XXXX  XXXX tradeline identified above, with supporting documentation. 
TransUnion RECEIVED : XX/XX/XXXX XXXX deadline : XX/XX/XXXX. 
I did not submit any additional information during your investigation ; the 45-day extension does not apply. 
As of XX/XX/XXXX, no reinvestigation results have been provided. 

This is a late/no-response failure to complete the reinvestigation on time under the FCRA. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- II. STATUTORY 30-DAY DEADLINE & REQUIRED DELETION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A consumer reporting agency must conduct a reasonable reinvestigation and complete it within 30 days ( 45 days only if the consumer supplies new information during that period ).

15 U.S.C. 1681i ( a ) ( 6 ) : You must provide written notice of the results within 5 business days after completion.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If information is inaccurate, incomplete, or can not be verified, it must be promptly deleted or modified.

Because you did not complete the reinvestigation within the 30-day window, the disputed tradeline was not verified within the time the statute allows and must now be removed as can not be verified.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- III. CFPB-TRANSMITTED COMPLAINTS & YOUR OBLIGATIONS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My dispute was submitted through the CFPB complaint portal and transmitted to TransUnion. Upon your receipt of a dispute from the consumer, your duties under 15 U.S.C. 1681i ( a ) are triggered regardless of the intake channel. In addition, 15 U.S.C. 1681i ( e ) ( 3 ) requires nationwide CRAs to review CFPB-transmitted covered complaints and report actions taken to the CFPB.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IV. TOO LATE TO UPDATE/CURE AFTER DAY 30 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The reinvestigation window expired on September 14, 2025. After that point, any information not verified within the statutory period must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). You can not cure a missed deadline by belatedly verifying while leaving the item in place. If you later obtain certification and seek to reinsert the item, you must comply with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( furnisher certification plus consumer notice within 5 business days ).

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- V. METHOD OF VERIFICATION ( IF YOU NOW CLAIM VERIFIED ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- If you now assert the XXXX  XXXX tradeline is verified, I demand the Method of Verification : A description of the procedures used to determine accuracy, including the business name, address, and ( if reasonably available ) phone number of each furnisher contacted, due within 15 days of your verification. ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VI. OTHER APPLICABLE FCRA DUTIES & AUTHORITIES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 15 U.S.C. 1681e ( b ) : Maintain reasonable procedures to assure maximum possible accuracy.

Civil liability : 15 U.S.C. 1681n ( willful noncompliance ) 15 U.S.C. 1681o ( negligent noncompliance ) Limitations : 15 U.S.C. 1681p 2 years from discovery / 5 years from the violation, whichever is earlier.

Supporting case law regarding reasonable reinvestigations and accuracy : Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- VII. DEMAND -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1 ) DELETE the disputed XXXX  XXXX tradeline from my TransUnion file immediately based on failure to timely complete the reinvestigation and inability to verify within the statutory period ( 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ) ).

2 ) Within 5 business days of deletion, provide written confirmation and a free updated credit report reflecting the deletion ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

3 ) If you contend the item is verified notwithstanding the expired deadline, send the full Method of Verification within 15 days of that verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) ).

4 ) If the item is later reinserted, comply with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( furnisher certification plus 5-day consumer notice ) or it must be removed again.

5 ) Please confirm deletion of the disputed account within 10 calendar days of your receipt of this notice. If you fail to do so, I will escalate this matter with the CFPB and my state Attorney General and pursue civil remedies under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Government-issued state identification ( proof of identity ) XXXX. Recent pay stub ( proof of identity and current address ) XXXX. Copy of the XX/XX/XXXX CFPB-submitted dispute and TransUnion receipt confirmation ( received XX/XX/XXXX ) XXXX. Highlighted copy of my TransUnion credit report showing the specific inconsistencies within the disputed account

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