Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding the handling of an account on my credit report by TransUnion. The name of the account is XXXX  XXXX. I recently disputed this account with TransUnion, and I was not satisfied with the results of the dispute becasue the error is still on my credit report. 

1. Inaccurate Information on Credit Report : Despite submitting clear and sufficient evidence that the account in question contained errors, TransUnion marked the account as " verified '' and did not address the inaccuracies I presented. The account still contains errors, and I have provided undeniable proof of these errors, but TransUnion failed to make the necessary corrections. I request that this account be completely removed from my credit report as the information is inaccurate and has been wrongfully verified.

2. Failure to Respond to My Request for the Method of Verification : I sent a letter to TransUnion on XX/XX/year>, requesting the method used to verify the account. This letter was delivered, and I have the tracking number to prove it. However, TransUnion has not responded to my request within the 15-day time frame outlined by the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they are legally obligated to respond within 15 days when a consumer requests information on how a dispute was verified. Their failure to comply with this legal requirement is a clear violation of my consumer rights. 

3. Emotional Distress and Consumer Hardship : XXXX failure to investigate my dispute properly and their refusal to respond to my request for verification has caused significant emotional distress. I have been left in an unfair situation where I am unable to resolve issues on my credit report, which directly impacts my financial well-being and peace of mind. Their negligence in properly investigating the dispute has created unnecessary anxiety, uncertainty, and frustration. 

4. Noncompliance with Legal Requirements : XXXX lack of response to my request for verification is a violation of my rights under the FCRA Section 611 ( a ) ( 7 ). This failure not only puts consumers at a disadvantage but also undermines the trust and integrity of the credit reporting system, making it harder for consumers to assert their rights and rectify mistakes in their credit reports.

Resolution Requested : I respectfully request that TransUnion : - Immediately remove the disputed account from my credit report, as it is inaccurate and has not been verified properly and they failed to give method of verification within 15 days.

- Cease causing further emotional distress by complying with consumer protection laws and conducting a proper investigation of this matter.

Documentation Attached : - Copy of the delivery receipt with tracking number for my letter to TransUnion ( sent XX/XX/year> ). 
- Proof of errors on the disputed accounts. 

I trust that the CFPB will investigate this matter and assist in resolving the ongoing issues with XXXX. I believe I am entitled to a fair resolution and look forward to seeing appropriate corrective actions taken. 

Thank you for your attention to this matter.

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