Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
b'On XXXX XXXX XXXX, I mailed TransUnion a dispute letter via USPS Certified Mail (Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX requesting a reinvestigation and the Method of Certification for two inaccurately reported XXXX public records. USPS tracking confirms the letter was delivered, yet TransUnion has failed to respond, failed to provide the method of certification I requested, and failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act (FCRA).\nAttached is the full dispute letter I sent to TransUnion, which includes copies of my identifying documents and detailed explanation of inaccuracies, inconsistencies, and missing information in the XXXX recordsXXXX failure to respond and refusal to perform a reinvestigation violates FCRA 1681i, and the continued reporting of incomplete and misleading public records violates FCRA 1681e(b).\n\nI disputed two XXXX  records currently appearing on my TransUnion credit file:\n1. XXXX Reference Number: XXXX XXXX XXXX)\nTransUnion reports incomplete and incorrect case information.XXXX shows different dismissal dates, termination dates, and asset information.\n\n\nThe case number format reported by TransUnion does not match the official XXXX number.\n\n\nReporting is misleading, incomplete, and fails to meet the FCRAs accuracy requirement.XXXX XXXX Reference Number: XXXX  (Filed XXXXXXXX omits court jurisdiction, trustee details, termination date, asset status, and disposition accuracy.XXXX  documents show data inconsistent with what TransUnion is reporting.\n\n\nReporting remains inaccurate, incomplete, and unverifiable.\nAll these discrepancies are described in detail in my dispute letter (XXXX XXXX of the uploaded document) and supported by XXXX XXXX XXXX summaries shown in the attachments. \nIn my written dispute, I specifically requested the Method of Certification for each bankruptcy:\nThe name of the company or entity that certified the accuracy of the XXXX information.\n\n\nThe documents and evidence they used to validate and certify the accuracy of the reporting.\n\n\nThe full contact information (name, address, phone) of the certifying entity.XXXX  did not provide this information and did not perform a reinvestigation as required by law.\n1. Failure to Conduct a Reasonable XXXX XXXX requires credit bureaus to reinvestigate disputed information within 30 days.\n TransUnion did not respond at all to my XXXX XXXX XXXX dispute.\n2. Failure to Provide Method of Verification / Certification\nUnder XXXX, the bureau must provide the business name, address, and telephone number of any furnisher of information contacted in connection with the reinvestigation.\n This was not provided.\n3. Failure to Assure Maximum Possible Accuracy\nUnder XXXX, credit reporting agencies must maintain maximum possible accuracy.\n The XXXX records TransUnion is reporting contain:\nmissing data\n\n\ninconsistent dates\n\n\nincorrect disposition information\nmismatched case numbers\n\n\nmisleading and incomplete public record details\nThis violates XXXX  negligence and failure to correct inaccurate public record data has XXXX of credit opportunities\n\n\nDamage to my XXXX, inconvenience, and financial XXXX  publication of inaccurate public records to third parties'

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