Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas, XXXX XXXX ( XXXX ) XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Final Notice of FCRA Violation Intent to Sue for Non-Compliance ( XXXX XXXX Acct # XXXX ) To Whom It May Concern, This letter serves as a final notice and intent to sue for violations of the Fair Credit Reporting Act ( FCRA ) regarding the following account on my credit report : Creditor : XXXX XXXX Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Status : Open Individual and Collection/Charge-off Balance : {$1000.00} Summary of FCRA Violations On XX/XX/XXXX, I submitted a dispute through the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX TransUnion received it on XX/XX/XXXX. However, on XX/XX/XXXX, XXXX  days later, which is far past the XXXX dispute window under federal XXXX updated the status to : " XXXX XXXX XXXX XXXX XXXX '' This is not a sufficient resolution or investigation, and constitutes a violation of FCRA Section 611 ( a ) ( 1 ) ( A ) which mandates that a consumer reporting agency must investigate disputes within 30 days ( or 45 days with additional documentation ). 

No extension was requested, and no valid justification exists for the delay. As such, this is a direct violation of federal law and constitutes grounds for statutory damages. 

Relevant Statute : 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Procedure in case of disputed accuracy : " If, after any reinvestigation under paragraph ( XXXX ) of this subsection, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. '' Since TransUnion has not responded to the XX/XX/XXXX dispute and failed to verify the account, this debt must be permanently deleted under the FCRA. 

Background of Repeated Violations : This is not the first occurrence. I also disputed the same XXXX XXXX  account on XX/XX/XXXX, stating : Before verifying the debt as Accurate, please escalate this matter ( improper previous investigation, failure to provide these documents ), and this time please provide the following documentation to verify the debt : Original contract or agreement with the original creditor Billing statements or invoices Payment history Credit application Assignment or transfer of debt documents ( if applicable ) Proof of ownership or rights to collect the debt Verification of the debt balance and interest rate Despite this, TransUnion responded on XX/XX/XXXX, again exceeding the XXXX window, stating only : XXXX XXXX XXXX VERIFIED AS REPORTED No documentation, no method of verification, and no adherence to federal standards were provided. 

Ongoing Discrepancies : Status is reported as both Open Individual and Collection/Charge-off. 

No payment history is shown. 

No documentation or legal proof of debt submitted. 

Equifax and Experian have removed this account due to being unverifiable. 

Potential FDCPA Violations : Although this letter is primarily directed at TransUnion, it is worth noting that XXXX XXXX  continued reporting of unverifiable, incomplete, and misleading debt may also violate the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S. Code 1692e Prohibits false, deceptive, or misleading representations in connection with the collection of a debt 15 U.S. Code 1692f Prohibits unfair or unconscionable means to collect or attempt to collect a debt If XXXX continues furnishing unverifiable data or reports inaccurate statuses, I will explore pursuing claims under the FDCPA against them as well. 

Legal Precedents Supporting My Claim : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must go beyond a superficial review. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Credit agencies must reasonably investigate and not rely solely on data furnishers. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ) Failure to respond to dispute in a timely manner is grounds for damages under Texas law. 

Texas Statutory Remedies : Given your failure to comply with federal obligations and ongoing inaccurate reporting, I am entitled to seek : Statutory damages of up to {$1000.00} per violation under FCRA 616 Actual damages for financial and emotional harm Punitive damages for willful non-compliance Attorneys fees and court costs Maximum Small Claims Court demand in Texas : {$20000.00} DEMAND FOR RESOLUTION : I am formally demanding the immediate and permanent deletion of the XXXX XXXX  account from my TransUnion credit report. 

If this account is not deleted within XXXX calendar days of your receipt of this letter, I will file a lawsuit in XXXX XXXX, Texas XXXX XXXX XXXX for the maximum {$20000.00} and seek all available damages under federal and state law. 

I Require : A written confirmation of deletion, OR A detailed explanation of your failure to investigate and comply with the law Attached Evidence : Copy of my passport ( ID verification ) Copy of utility bill and lease agreement ( address verification ) Copy of CFPB dispute filed on XX/XX/XXXX ( showing late TransUnion response ) Copy of CFPB dispute filed on XX/XX/XXXX ( showing XXXX delay and unresolved status ) I will attach a current credit report showing the disputed trade line ( for court evidence ) This is your final opportunity to resolve this matter amicably before legal action is filed. I am prepared to present all evidence and legal arguments before a judge and request full damages. 

Sincerely, 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 non-monetary relief