Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Date of Birth : XXXX Last XXXX of SS # XXXX XX/XX/year> Re : TransUnion, Experian, Equifax To Whom It May Concern, I am writing to request full disclosure regarding the investigation of inaccurate, outdated, and potentially fraudulent information reported on my credit report. Despite my previous requests for investigation, the following issues remain unresolved : Inaccurate information Outdated addresses Fraudulent accounts Multiple names appearing on my credit file Numerous erroneous entries These errors have led to complications in my credit report and may be contributing to account rejections and credit denials. I have requested these items be corrected or removed in the past, but I have not received sufficient information on why these issues persist. Therefore, I respectfully request a full and detailed explanation of the following : 1. How the errors were identified and investigated.

2. When the investigation was initiated and when it was completed.

3. Who was responsible for investigating and reporting the findings.

4. Why these errors were not corrected, despite being identified as inaccuracies or flagged for removal.

As outlined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am entitled to dispute and request investigation of inaccurate or incomplete information on my credit report. You are required by law to investigate the disputed information within 30 days of receiving a dispute notice from me. If the information can not be verified or if it is determined to be inaccurate, you must correct or remove it, as specified by 15 U.S.C. 1681i ( a ) ( 5 ).

Furthermore, the Fair Credit Reporting Act ( FCRA ) mandates that the credit bureaus conduct their investigation in a reasonable timeframe and that they provide me with the results of their investigation and any supporting documentation. In the event that information is found to be fraudulent or unverifiable, it must be removed or corrected immediately.

Under 15 U.S.C. 1681c, credit reporting agencies are prohibited from reporting certain outdated information, such as addresses and accounts that are too old to be considered for current credit evaluations, typically information older than 7 years.

Please provide all documentation related to the disputed items, including the steps taken to investigate, the results of the investigation, and the reasoning for why the requested corrections were not made. This information is vital for me to understand the actions being taken and to ensure that my credit report reflects accurate and complete information.

If I do not receive a response within the statutory timeframe, I will consider further action as prescribed under the Fair Credit Reporting Act and may file complaints with the Consumer Financial Protection Bureau ( CFPB ) and/or the Federal Trade Commission ( FTC ).

Thank you for your immediate attention to this matter. I expect a prompt resolution, and all relevant documentation and updates should be sent to my address as listed above. 

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