Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX 2025 TO : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Failure to Respond Within 30 Days Violation of the FCRA / Request for Deletion Account Name : XXXX Partial Account Number : XXXX / XXXX Original Creditor : XXXX XXXX To Whom It May Concern, On XX/XX/XXXX 2025, I sent you a formal dispute under the Fair Credit Reporting Act ( FCRA ), challenging the accuracy and completeness of the above-referenced account.

TransUnion received my dispute on XX/XX/XXXX, 2025.

Experian received my dispute on XX/XX/XXXX 2025.

As of today, XX/XX/XXXX 2025, both agencies have failed to provide a response or complete the reinvestigation within the 30-day statutory period. This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which clearly states : " A consumer reporting agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate ... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute. '' Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) is clear : " If ... information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. '' The law provides no allowance to cure, update, or fix disputed accounts after the 30-day window expires. Once the 30-day period has lapsed without proper completion of an investigation, the disputed account must be removed.

In addition, CFPB disputes carry the same legal weight as direct disputes. The CFPBs authority under 12 U.S.C. 5481 and the FCRA governs both, and the requirements under 15 U.S.C. 1681i apply equally to disputes submitted through the CFPB portal.

Case law support : Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ) A CRA must do more than merely parrot data from a furnisher ; it must conduct a meaningful investigation.

Richardson v. Equifax, 2004 WL 2325385 Inconsistent reporting across agencies without correction constitutes inaccuracy under the FCRA.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Misleading or contradictory information is considered inaccurate.

My demands are as follows : Immediate deletion of the XXXX / XXXX XXXX account from my credit file due to your failure to complete a lawful reinvestigation within the statutory time frame.

If you insist on verifying this account despite the missed deadline, I am again demanding the complete Method of Verification ( as per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) to be provided within 15 days, not 30. This must include : The name of the person contacted, The documents reviewed, The date and manner of verification.

You are now well outside the permissible response period. It is too late to update, correct, or otherwise amend this account in your files without deleting it.

If you fail to comply, I will proceed with a formal complaint to the Consumer Financial Protection Bureau and consider legal action for damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Attached : Copy of my state-issued ID W-2 for proof of address Screenshot showing your receipt dates and current inaction Sincerely, 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 explanation