Consumer complaint received 2025-01-08 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:
I am filing this complaint against TransUnion for their failure to properly respond to a previous CFPB complaint and for engaging in practices that violate the Fair Credit Reporting Act ( FCRA ). TransUnion has mishandled my disputes and has used stalling tactics to avoid removing inaccurate information from my credit file. 

Summary of Issues Failure to Respond in a Timely Manner : On XX/XX/XXXX, I sent an initial dispute letter to TransUnion, which they failed to resolve within the 30-day period mandated by the FCRA. 
Failure to Comply with Demand Letter : On XX/XX/XXXX, I sent a Demand to Comply letter when TransUnion failed to address my initial dispute. 
Inconsistent and Conflicting Responses : On XX/XX/XXXX, TransUnion sent a letter stating that the disputed accounts were verified but failed to provide an explanation or evidence of how the verification was conducted, as required by law. 
On XX/XX/XXXX, I received an email from TransUnion stating that it had only been three days since they received my dispute and that they were still awaiting a response from the creditors. This contradictory statement demonstrates TransUnions intent to delay resolution.

These actions clearly demonstrate bad-faith efforts to avoid addressing the inaccuracies in my credit file and to undermine my rights under the FCRA.

FCRA Violations TransUnions actions violate several provisions of the FCRA, including but not limited to : 611 ( a ) ( 1 ) ( A ) : Duty to Investigate Disputes : TransUnion failed to conduct a reasonable investigation of my disputes within the 30-day period required by law.

611 ( a ) ( 6 ) : Notification of Results of Reinvestigation : TransUnion provided no substantive explanation or documentation supporting their claim that the accounts were verified.

611 ( a ) ( 7 ) : Disclosure of Process : TransUnion did not provide details about the method or steps taken to verify the disputed accounts. 
607 ( b ) : Duty to Maintain Accurate Information : TransUnion has failed to ensure maximum possible accuracy in my credit file by retaining inaccurate information.

611 ( a ) ( 2 ) ( B ) : Timely Communication with Creditors : The conflicting responses from TransUnion suggest they did not communicate with creditors in a timely and efficient manner. 

Damages and Legal Remedies Under the FCRA If litigation becomes necessary, I will seek the following damages as allowed under the FCRA : Statutory Damages : Up to {$1000.00} per violation for TransUnions willful noncompliance under 616 ( a ) ( 1 ). 

Actual Damages : Compensation for financial harm, emotional distress, and damage to my creditworthiness caused by the inaccurate information and TransUnions failure to act.

Punitive Damages : Additional damages for willful and egregious violations under 616 ( a ) ( 2 ).

Costs and Attorneys Fees : Full recovery of all legal costs and attorneys fees under 617 ( a ).

Demand for Immediate Action I demand that TransUnion : Immediately remove the following disputed accounts from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Comply with their obligations under the FCRA to ensure maximum possible accuracy. 
Respond with confirmation of a resolution of this issue within 10 days of receiving this complaint. 

Notice of Intent to Litigate If TransUnion fails to comply with these demands within 10 days, I will have no choice but to initiate legal proceedings to enforce my rights under the FCRA. This includes seeking all damages outlined above. 

I trust that the CFPB will take swift action to ensure TransUnions compliance with federal law. Please do not hesitate to contact me if additional information or documentation is needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX 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