Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint against TransUnion LLC for its repeated failure to conduct a reasonable investigation into my credit report disputes, as required under the Fair Credit Reporting Act ( FCRA ). Furthermore, TransUnion improperly asserted that my submissions were invalid or failed to verify my identity, despite my repeated compliance with all verification requirements. 
On XX/XX/XXXX, I mailed a written dispute letter to TransUnion via XXXX XXXX Mail ( Tracking # XXXX ). In this letter, I disputed inaccurate information on my credit reportspecifically a Bankruptcy entry that has been erroneously associated with my file and contains derogatory notations that do not belong to me. I formally requested the removal of this public record and the correction of any inaccurate personal identifying information, in accordance with my rights under the FCRA. 
To properly verify my identity, I included the following documentation with the dispute : A copy of my drivers license A copy of my Social Security card A recent utility bill as proof of address On XX/XX/XXXX, I received a response from TransUnion stating that the identity documents I provided did not match the information on file, and requested I resubmit additional forms of identification. This was disappointing and unjustified, as the documents requested were already included in my initial dispute letter and were complete, accurate, and valid. 
In good faith, I complied with the additional request and mailed another dispute letter on XX/XX/XXXX, again including all the same documentation : my drivers license, Social Security card, and proof of address. I repeated my request for TransUnion to conduct a reinvestigation and remove the inaccurate bankruptcy and personal information. 
Despite these efforts, I continued to receive the same generic response from TransUnion. I submitted XXXX additional dispute letters on XX/XX/XXXX, and XX/XX/XXXX, each time enclosing all necessary identity verification documents and restating the basis for my dispute. 
In return, I received identical responses dated XX/XX/XXXX, and XX/XX/XXXX, echoing the initial reply and failing to acknowledge the validity of my submissions or to initiate a proper reinvestigation. 
TransUnions repeated failure to investigate my dispute, despite receiving multiple authenticated requests directly from me, constitutes a clear violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ). Under this provision, a consumer reporting agency is required to conduct a reasonable reinvestigation of any item in a consumer 's file that is disputed and for which the consumer provides sufficient identifying information and documentation. 
All of my communications were submitted directly by me and contained complete, verifiable, and legally acceptable proof of identity. XXXX repeated assertions that the submissions were unauthorized or unverifiable are both inaccurate and unsupported.

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