Consumer complaint received 2025-01-20 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: VA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau can not verify information with the original creditor, they are required to delete that information from the consumer 's credit report ; this principle is generally understood as part of Section 604 ( a ) of the FCRA, which mandates that credit bureaus must remove inaccurate, incomplete, or unverifiable information upon dispute from a consumer. I have spoke with the bankruptcy courts and they confirmed that they have not or will never share information with credit bureaus or third parties. XXXX, XXXX and TransUnion need to delete this information off my credit report. It has been more then 30 days since my last filed dispute. By Law FCRA Bankruptcy 15 us code 1681A2b By law 15 us code 1681A2b Student loans. I have disputed this information with all XXXX credit bureaus 3 times and they are refusing to follow the law of FCRA. I have no other choice but to file a civil lawsuit because of these bureaus violating my consumer rights. It has been more then 30 days for all companies to do whats right by consumers. They have failed to do this. I will be filing civil lawsuits against the companies. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. I disputed accounts on XX/XX/year>. They came back as verified as accurate on XX/XX/year>. I sent a request to investigate and provide me with the process they used and how they verified as soon as I got the results. Transunion sent out a letter and updated report with disputed items verified as accurate on XX/XX/year> as well as XX/XX/year>. No information on a reinvestigation and process used to verify anything. ( Letter attached. ) my second request to them demanding them to investigate was ignored. I never received confirmation of anything. Just the verified as accurate on my report. Transunion is failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer. I would also like compensation for violating my rights. Attached I have letters requesting a reinvestigation which Transunion has ignored XXXX times. Please see attached letters! It has been pass the XXXX days and also XXXX day extension for dispute resolution. Please remove this information IMMEDIATELY my credit report.

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