Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
AFFIDAVIT OF DISPUTE & FORMAL NOTICE OF FCRA VIOLATIONS ROUND XXXX ( TRANSUNION ) XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : ROUND XXXX FAILURE TO RESPOND TO DISPUTE FORMAL NOTICE OF VIOLATIONS This letter serves as my official follow-up under the Fair Credit Reporting Act ( FCRA ) regarding the dispute letters I mailed to your bureau, which you received over XXXX  days ago. Despite proper submission via certified mail and attaching documentation, I have not received any communication, update, or resolution from your office regarding the negative items I disputed. 

This complete lack of response is not only unacceptable and unethicalit is in direct violation of FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), which legally requires you to complete a reinvestigation and respond to my dispute within XXXX calendar days. Your failure to do so strips me of my rights and is an outrageous, inhuman, and unlawful act against the spirit of consumer protection laws. 

I also filed complaints with the Consumer Financial Protection Bureau ( CFPB ) the same day I sent my mailed dispute letters to your bureau. Still, no email, letter, or decision was provided. This neglect and failure to notify me is a gross violation of the FCRA and FDCPA. 

The following accounts remain on my credit report with no resolution : XXXX. XXXX. XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$670.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$430.00} XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance : {$1100.00} XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Balance : {$540.00} XXXX. XXXX. XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Charge-Off | Balance : {$0.00} ( Closed still derogatory ) XXXX. XXXX. XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX. XXXX. XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX. XXXX. XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$1100.00} XXXX. XXXX. XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$360.00} XXXX. XXXX. XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Balance : {$990.00} XXXX. XXXX. XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Balance : {$770.00} You are required by law to provide the following for each account : - Full payment history - A copy of the original signed contract ( wet signature ) - A full itemized breakdown of the debt - Any insurance claims applied to the balance - Complete chain of title proving legal ownership If you are unable to provide the above, the accounts must be removed immediately for violating : FCRA 611 Failure to respond within XXXX  days FCRA 609 ( a ) ( 1 ) Failure to provide signed contract and itemization FCRA 1681e ( b ) Reporting inaccurate or unverifiable data FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information FDCPA 1692g No proper validation of alleged debt UCC XXXX XXXX of rights without prejudice I am now demanding full deletion of these items or I will escalate further complaints with the CFPB, BBB, FTC, and pursue legal remedies. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX | XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/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 non-monetary relief