Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
On XX/XX/year>, I mailed TransUnion a detailed written dispute ( including identification documents and proof of address ) challenging several inaccurate and inconsistent accounts and an improperly reported bankruptcy. The dispute letter included itemized explanations for each account, all required supporting details, and a demand for proper investigation as required under the Fair Credit Reporting Act ( FCRA ). 
( Attached in this complaint : copy of the dispute letter I sent ) TransUnion has failed to respond within the legally required timeframe, and the disputed items remain on my report with no investigation results, no updates, and no corrections.

This is a direct violation of : FCRA 611 ( 15 U.S.C. 1681i ) Duty to investigate disputes within 30 days FCRA 607 ( b ) Duty to maintain maximum possible accuracy FCRA 609 Duty to provide consumer disclosures FCRA 610 Duty to provide reinvestigation results FCRA 611 ( a ) ( 6 ) Duty to report the results of the reinvestigation TransUnion received my dispute with full documentation as reflected in my letter, but they have not sent any investigation results, have not corrected the inaccuracies, and have failed to remove unverifiable information, which violates federal law.

My letter to TransUnion ( attached ) detailed the following major inaccuracies 1. Multiple DEPTED/NELNET accounts Reported as derogatory despite showing {$0.00} balances and Current status Conflicting info between all 3 bureaus ( different terms, dates, high credit amounts ) Bankruptcy remarks incorrectly applied even though student loans are not dischargeable XXXX  shows charge-offs while TransUnion shows OK payments XXXX  shows Unknown status These contradictions prove the information is unverifiable and must be deleted under FCRA 611. 
XXXX XXXX  Account Reported with conflicting dates, limits, payment history, and bankruptcy comments Status and remarks contradict factual data Incomplete and unverifiable information under FCRA 607 ( b ) Public Record Bankruptcy TransUnion is reporting a XXXX  XXXX Bankruptcy ( ReXXXX XXXX XXXXXXXX ) that is : Missing required district/court info Showing {$0.00} assets/liabilities ( impossible for a real legal filing ) Inconsistent across bureaus Likely pulled from a third-party vendor, not verified directly with the court Under FCRA, bankruptcy information must be accurate and verified. It is not. 
. Additional Accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. ) These accounts contain : Conflicting balances, statuses, and payment histories Incorrect bankruptcy comments Missing or contradictory reporting Unverifiable information across all three bureaus Under FCRA 611, unverifiable data must be deleted.

TransUnion : Did not respond within 30 days to my mailed dispute Did not provide reinvestigation results Did not correct inaccurate information Continued reporting inaccurate and incomplete data Failed to fulfill its legal duties under the FCRA This is non-compliance and violates my consumer rights.

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