Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
To : TransUnion / Experian From 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 Subject : FINAL NOTICE FCRA Violation for Exceeding XXXX Dispute Deadline ; Demand for Immediate Deletion and Method of Verification To Whom It May Concern This letter serves as a formal notice regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), in your handling of my credit dispute submitted via XXXX. 

Background and XXXX XXXX : On XX/XX/XXXX, I submitted a formal dispute through XXXX to all three credit bureaus regarding multiple inaccuracies in my credit report. 
TransUnion received the dispute on XX/XX/XXXX, and did not respond until XX/XX/XXXX 43 days later. 
Experian received the dispute on XX/XX/XXXX, and did not respond until XX/XX/XXXX 56 days later. 

Meanwhile, XXXX  complied with the FCRA and deleted the disputed account ( XXXX ), acknowledging the discrepancies. 

FCRA Violation : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency has 30 days to complete a reinvestigation of a dispute. The only extension allowed ( up to 45 days ) under 1681i ( a ) ( 3 ) requires that the consumer submit new relevant information after the initial dispute which I did not. 
" If the completeness or accuracy of any item of information... is disputed by the consumer and the consumer notifies the agency... the agency shall ... reinvestigate ... within 30 days of the date on which the agency receives the notice of the dispute. '' 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Both TransUnion and Experian violated this law by exceeding the XXXX statutory deadline without lawful cause or extension, and thus, under the FCRA, the disputed items must be deleted immediately.

Method of Verification ( M.O.V. ) Demand : For every item you marked as Verified as Accurate or Updated in your delayed responses, I hereby demand the following under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : The method of verification used in your investigation ; The name and contact information of the furnisher who verified the data ; A copy of any original contract or signed agreement used to verify this account ; The complete payment history and documents used during the reinvestigation ; A copy of your internal investigation records showing date stamps, action steps, and response records from the furnisher. 

Important Note on CFPB.gov Complaints : Disputes submitted via XXXX carry the same legal authority under the FCRA as direct disputes made to the credit bureaus. The FCRA makes no distinction between method of delivery. 
A consumer reporting agency that receives notice of a dispute from a consumer directly or indirectly must conduct a reinvestigation... 15 U.S.C. 1681i ( a ) ( 2 ) Resolution Demanded : Immediate deletion of the account ( s ) in question from my credit file due to non-compliance with the 30-day investigation deadline.

A full response to the Method of Verification request for all items marked as verified.

A written confirmation that these violations have been corrected in accordance with 15 U.S.C. 1681i ( c ) and 1681i ( a ) ( 5 ) ( A ). 
Cease further reporting of inaccurate or unverifiable information related to these accounts. 

Final Warning : It is entirely too late to fix, cure, or update these disputed accounts. Per FCRA, the only lawful remedy now is complete deletion. If you fail to comply, I will pursue legal action for damages under 15 U.S.C. 1681n and 1681o, and I am fully prepared to escalate this matter through litigation and further CFPB complaint filings. 

Sincerely, 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