Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against TransUnion for FCRA Violations and Dispute Delay Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion, LLC for failing to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion is reporting an inaccurate account on my credit report that does not appear on my reports with other credit bureaus ( XXXX and XXXX ). Despite my filing a dispute on XX/XX/XXXX, TransUnion has been stalling and has failed to resolve this matter within the legally mandated timeframe. 
Under the FCRA, specifically 15 U.S.C. 1681i ( a ), credit reporting agencies must investigate and resolve disputes within 30 days ( or 45 days if additional information is provided during the process ). As of today, TransUnion has failed to : 1. Complete the investigation within the legally required timeframe.

2. Provide me with any substantial update or outcome related to my dispute.

3. Remove or verify the disputed account, which I firmly believe is inaccurate and unverifiable.

This delay and inaction are causing significant harm to my credit profile and financial well-being. The disputed account remains on my report without verification, affecting my ability to access financial opportunities and unnecessarily damaging my creditworthiness, and ultimately drawing out my time of homelessness. 

Details of the Issue : Disputed Account Name : XXXX XXXX Account Number : XXXX Nature of Dispute : This account is inaccurate and unverifiable. It does not appear on my credit reports from XXXX or XXXX, further raising doubts about its validity. 

Dispute Date : XX/XX/XXXX XXXX conduct violates the FCRA and demonstrates a lack of good faith in resolving disputes. By stalling this process, TransUnion is failing in its duty to ensure the accuracy and integrity of its reporting. 


Requested Action : I request the CFPBs immediate intervention to : 1. Compel TransUnion to complete the investigation of my dispute without further delay. 
2. Ensure TransUnion provides a thorough explanation for its failure to meet legal deadlines.

3. Hold TransUnion accountable for any FCRA violations and impose appropriate penalties if necessary.

4. Confirm that the disputed account is either verified or permanently removed from my credit report. 
TransUnions inaction and disregard for its legal obligations have left me with no choice but to escalate this matter. I trust that the CFPB will take swift and decisive action to ensure my rights under federal law are upheld. 

Thank you for your attention to this urgent matter. Please feel free to contact me directly at XXXX should you require additional information. 

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 explanation