Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
UNITED STATES CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXXXXXX. 

SECOND FORMAL COMPLAINT & NOTICE OF ESCALATION Complainant : XXXX XXXX Address : [ Redacted for privacy ] Against : TransUnion LLC Date : XX/XX/year> CFPB Reference : Complaint # XXXX SUBJECT : Failure to Acknowledge or Process Disputes, Lack of Written Notification, and Willful Noncompliance with Federal Law ( FCRA 611, 623, 604, 605, 1681e ) To Whom It May Concern, This complaint is submitted as a follow-up to my initial complaint filed on XX/XX/year>, which TransUnion has failed to adequately investigate or respond to in compliance with the Fair Credit Reporting Act ( FCRA ). I am compelled to escalate this matter due to severe procedural violations and intentional disregard for federal consumer rights. 



GROUNDS FOR ESCALATION 1. No Notice of Dispute Received FCRA 1681i ( a ) ( 6 ) Violation Despite my direct phone call with TransUnion on XX/XX/year>, your representatives confirmed that none of the disputed accounts listed in my CFPB complaint had been marked or processed as disputed. I have received no written confirmation, no reinvestigation notices, and no resolution disclosuresas is required within XXXX business days under FCRA 1681i ( a ) ( 6 ).

This is a grave procedural violation.

2. Accounts Still Reporting as Accurate Despite Identity Theft & FTC Report All accounts listed in my original complaintincluding XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX on my file as of today. This continues despite the official FTC Identity Theft Report # XXXX I submitted. 
The continued presence of these accountswithout dispute markingsviolates FCRA 623 ( a ) ( 3 ) and 623 ( a ) ( 7 ), which require both flagging and prior notice of negative reporting.

3. Fabricated & Abandoned Investigations No Evidence of Good Faith Review My initial complaint has been marked In Progress since XX/XX/year>. However, TransUnion has not issued : Any dispute results, Any investigation details, Any communications confirming engagement with the furnishers. 
This is indicative of a sham reinvestigation, which mirrors CFPB enforcement actions already taken against major CRAs. 



LEGAL CLAIMS BEING REASSERTED FCRA 611 ( a ) Failure to conduct proper dispute reinvestigation.

FCRA 623 ( a ) ( 3 ) Failure to mark information as disputed.

FCRA 623 ( a ) ( 7 ) No notice provided within 30 days of negative reporting.

FCRA 1681s-2 ( b ) Furnisher failure to cease reporting unverifiable information. 
FCRA 1681e ( b ) Reporting data without reasonable procedures to ensure accuracy.

FCRA 604 ( a ) Continued reporting of accounts without permissible purpose after identity theft notice.

18 U.S.C. 894 Potential extortionate collection activity by allowing illegal debts to remain and damage the consumer.

RESOLUTION DEMANDED 1. Immediate deletion of all disputed accounts, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Written confirmation that all items have been marked as disputed and properly reviewed with the furnishers, in full compliance with FCRA and FDCPA.

3. Certification that none of the accounts will be reinserted without compliance with FCRA 1681i ( a ) ( 5 ) ( B ), including written notice to me within 5 days of reinsertion.

4. Accountability of TransUnions back-office operations, including investigation into personnel or automated systems responsible for ignoring consumer disputes.

PRE-LITIGATION NOTICE This serves as formal notice of my intent to pursue federal legal action against TransUnion if this matter is not fully resolved within 10 business days. I will seek statutory damages, punitive damages, and injunctive relief under the FCRA and other applicable laws. 
TransUnions failure to act on verified identity theft, coupled with sham investigations and lack of basic dispute handling, is a systemic violation that the CFPB must take seriously.

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