Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
This complaint is being filed against TransUnion, Experian, and Equifax for persistent violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), particularly surrounding hard inquiry reporting, failure to conduct timely reinvestigations, and refusal to remove outdated personal identifying information as previously requested.

Unauthorized Hard Inquiries ( Disputed ) The following inquiries remain on my credit reports without any verification or valid permissible purpose, in violation of 15 U.S.C. 1681b : TransUnion - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were disputed more than 30 days ago and remain uninvestigated or unresolved. This is a clear violation of 15 U.S.C. 1681i, which mandates that CRAs complete an investigation within 30 days of receiving a dispute. As of today, over 40 days have elapsed, and the inquiries are still present on my credit files with no supporting documentation ever provided.

Failure to Delete Outdated Names and Addresses In my prior dispute submitted over 40 days ago, I specifically requested the removal of all outdated names and former addresses from my credit profileleaving only my current address : XXXX XXXX XXXX, XXXX, CA XXXX. As of the date of this letter, TransUnion, Experian, and Equifax have failed to comply, in violation of 15 U.S.C. 1681i ( a ).

These names and addresses must be removed immediately : - XXXX XXXX XXXX XXXX XXXX XXXX Addresses to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The continued reporting of these outdated names and addresses constitutes willful noncompliance and misleading representation under 15 U.S.C. 1681n and 1692e.

Legal Grounds and Precedents - Ramirez v. TransUnion, 141 S. Ct. 2190 ( 2021 ) - FTC v. Experian Information Solutions, 8:16-cv-01268 - Equifax 2017 Breach Enforcement : CFPB Case No. 2019-CFPB-0008 - Pandemic-era protections under CARES Act and CFPB policy guidance Requested Action by CFPB I respectfully request that the CFPB take the following actions : 1. Require deletion of all unauthorized inquiries listed above.

2. Require deletion of all outdated names and addresses listed above.

3. Provide detailed reports of each CRAs reinvestigation actions.

4. Impose penalties for failure to comply with the 30-day investigation deadline.

5. Refer each CRA for additional enforcement review by your litigation division. 
Thank you, XXXX 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