Consumer complaint received 2025-07-13 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: WI

Complaint narrative:
CFPB Complaint Letter Non-Response and FCRA Violation Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) www.consumerfinance.gov/complaint Subject : Complaint Against XXXX, TransUnion, XXXX, and XXXX  for Non-Response, FCRA Violations, and Failure to Delete Inaccurate Public Records Dear CFPB, I am filing this formal complaint due to the failure of the following credit reporting agencies to comply with federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) : XXXX TransUnion XXXX  XXXX Each of these agencies has knowingly failed to respond within the legally required timeframe to my certified disputes, which were sent via U.S. Postal Service Certified Mail with tracking and delivery confirmation. Proof of receipt is attached. 

Despite my request for deletion based on the failure to verify the accounts with a certified court seal or permissible purpose, they continue to report the following inaccurate and unverifiable items : Items Disputed & Demanded for Deletion : 1. Bankruptcy Public Record Reference # : XXXX Reported without a court seal or proof of legal authority to furnish. 
XXXX. XXXX XXXX Account Reference # : XXXX Improperly reported as a public record ; no verified legal basis or permissible purpose. 
XXXX. Charged-Off Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) These accounts were included in the dispute but have not been verified nor removed, despite insufficient documentation from the furnishers. 



Violation Summary : No response or insufficient response within the 30-day window per FCRA 15 U.S. Code 1681i. 
No legally acceptable verification, no documentation bearing a court seal was provided by XXXX, XXXX, or the credit bureaus. 
Failure to delete unverifiable information as required by law. 
TransUnions letter dated XX/XX/year>, contains vague and non-committal language and fails to meet the FCRA standard of proof. 
XXXX CFPB response ( Case # XXXX ) remains open with no final resolution as of XX/XX/year>, far past a reasonable response period. 



Relief Requested : I am demanding immediate intervention and enforcement action from the CFPB. I request : XXXX. Full deletion of the above-listed public records and accounts across XXXX, TransUnion, XXXX, and XXXX. 
XXXX. An investigation into all XXXX agencies for potential systemic FCRA violations and failure to comply with consumer dispute procedures. 
XXXX. A written response from each agency confirming deletion of the above-referenced items and removal of all related negative data. 

Thank you for your prompt attention to this matter. I have attached certified mail receipts and agency responses to support this complaint. 

Sincerely, XXXX XXXX XXXX Email : XXXX Phone : XXXX Attachments : USPS Certified Mail Receipts TransUnion Reinvestigation Letter CFPB Case Status ( XXXX ) Copies of dispute letters and references

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