Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, TransUnion received my Method of Verification letter, which I sent via certified mail to their dispute address. I have USPS tracking and return receipt documentation confirming the delivery on that date. Despite this, TransUnion sent me an email on XX/XX/year>, stating that they received my dispute on XX/XX/XXXX, XXXX Saturday and non-business day. Based on the actual delivery date ( XX/XX/XXXX ), the XXXX response window would have expired on XX/XX/year>. TransUnion later mailed me a letter dated XX/XX/XXXX, but i didnt recieve it til XX/XX/XXXX as i have usps informed delivery with a screenshot of letter from my email. They dated it XX/XX/XXXX attempting to appear compliant with the FCRA timeframe. However, their own timeline is inconsistent and misleading. The USPS records clearly show the dispute was received two days earlier than they are acknowledging.This prompted me to file a complaint with the cfpb XX/XX/XXXX because i had not received details from investigation as requested. In my letter, I specifically requested that TransUnion : Provide the name, address, and contact information of the entity that verified the account information ; Provide a detailed description of the procedure used to verify the accuracy of the disputed information ; Provide copies of any documentation relied upon during the verification process. To date, TransUnion has failed to provide any of this information. According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), a consumer reporting agency must provide a description of the procedure used to determine the accuracy and completeness of disputed information within 15 days of receiving such a request. Furthermore, under FCRA 611 ( a ) ( 5 ), if the information can not be verified, it must be promptly deleted from the consumers credit file. TransUnion did not comply within the legal timeframe and appears to have backdated their response to give the illusion of compliance. This raises serious concerns about the integrity of their investigation process. In addition, discrepancies still exist between TransUnion and XXXX  regarding the account in question, which further suggests inaccurate reporting. This issue has negatively affected my credit score and has interfered with my ability to obtain loan approvals. As a result, I am preparing to file additional complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. I also intend to retain legal counsel to ensure my rights under the Fair Credit Reporting Act are protected. I respectfully request that TransUnion immediately delete the account in question for failing to verify the information within the required timeframe, starting from the actual date of receipt : XX/XX/year>. Failure to resolve this matter appropriately will result in further legal action!!!

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