Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Urgent Demand for Full Investigation, Immediate Deletion of Accounts, Complete Documentation, and Immediate Response Regarding Dispute Closures on XX/XX/XXXX Lawsuit Filed Dear TransUnion Dispute Resolution Team, I am writing to formally address a serious concern regarding the handling of my disputes submitted on XX/XX/XXXX, concerning inaccuracies on my credit report. On that date, I submitted four separate disputes related to discrepancies on my credit file. However, I was alarmed to find that all four disputes were closed on the same day, XX/XX/XXXX, without a thorough investigation and without the necessary correction of the inaccuracies. This raises serious concerns regarding TransUnions investigation process and whether it complies with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

The fact that all disputes were closed on the same day strongly suggests that these disputes were not investigated in a reasonable or thorough manner, as required by law. As such, I am formally requesting the following : XXXX. Immediate Deletion of Disputed Accounts Given that these accounts were investigated and closed in less than one daya period that is insufficient to conduct a reasonable investigation as required under the FCRAI demand the immediate deletion of the following accounts from my credit report : XXXX XXXXXXXX XXXX XXXX Account Type : Revolving Account ( Credit Card ) Status : Charged-off ( as of XX/XX/XXXX ) Past Due : {$160.00} High Balance : {$360.00} Payment History : Late payments, culminating in a charge-off. The balance has been unpaid since XX/XX/XXXX, and it is expected to remain on the credit report until XX/XX/XXXX. 
Action Taken : I have not received adequate investigation, and this account should be removed due to failure to comply with FCRA investigation requirements. XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Account ( Secured Loan ) Status : Closed, Paid as agreed Past Due : No outstanding balance Payment History : 30- and 60-day late payments in XXXX and XX/XX/XXXX. 
Action Taken : This account was closed and paid as agreed. However, late marks remain. Given the failure of TransUnion to adequately investigate, this account should also be deleted. 
XXXX XXXX XXXX Account Type : Installment Account ( Unsecured Loan ) Loan Type : Unsecured Status : Charged-off ( as of XX/XX/XXXX ) Past Due : {$650.00} High Balance : {$500.00} Payment History : The account was charged off starting in XX/XX/XXXX, and the past due amount remains unpaid. 
Action Taken : I dispute this account, as the investigation appears to have been rushed, and there has been no meaningful effort to resolve it properly. Therefore, it should be deleted from my credit report. 
XXXX XXXX XXXX Account Type : Open Account Loan Type : Factoring Company Account ( originally with XXXX XXXXXXXX XXXX XXXX ) Status : Placed for Collection Past Due : {$620.00} Remarks : Disputed by consumer ( FCRA ) ; placed for collection. 
Action Taken : The account remains in collection and has been disputed. As the dispute process was handled improperly, I request that this account be deleted as well. 
The inadequate investigation into these disputed accounts suggests that TransUnion has not followed the necessary procedures to verify the accuracy of the information, and as such, these accounts should be removed from my credit report immediately to prevent further harm to my credit standing. 

XXXX. Court Case and Legal Precedent Regarding Inadequate Investigations Given the failure of TransUnion to properly investigate these disputes on XX/XX/XXXX, I would like to point to established case law which affirms that when a credit reporting agency fails to conduct a reasonable investigation, it does not have a " second chance '' to investigate after the fact. The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies conduct investigations that are reasonable, timely, and thorough. If a dispute is not investigated correctly within the initial time frame, they can not simply " re-investigate '' after the fact to rectify a failure of the original process. 

Case Law : In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that a credit reporting agency must perform a reasonable investigation, and failure to do so means the agency can not simply conduct another investigation once the initial one was flawed. Similarly, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforced that if a credit reporting agency fails to properly investigate the dispute within the statutory period, the consumer has the right to pursue further action, and the agencys failure to investigate properly negates any further attempts to cure the error post-investigation. 

Based on these precedents, I assert that TransUnion does not have the right to re-open these disputes or conduct another investigation into the same matter. Therefore, I demand that the disputed accounts be immediately deleted from my credit report. 

3. Documentation of Disputes and Verification Process Please provide all documents TransUnion has concerning these disputes, including but not limited to : The original dispute submission documents. 
Communications with furnishers : Any and all communication or correspondence between TransUnion and the furnishers of the disputed accounts, including any verification or responses received from those furnishers. 
Verification reports : Copies of any verification reports, investigation results, or documents relied upon to resolve the disputes. 
Name and contact details of the individual or entity who furnished the verification for each disputed account. 
Internal TransUnion records : Any internal notes, findings, or audit trails created during the dispute investigation process. 
4. Explanation of the Verification Process and Timeline Under the FCRA, credit reporting agencies are required to conduct investigations within a reasonable time frame ( typically 30 days ). In light of the fact that all four disputes were closed in less than a day, I demand the following : A detailed timeline of the investigation process for each disputed account. 
An explanation of the methods and processes used to verify the accuracy of the disputed accounts and why such a short time frame was deemed sufficient to conduct a full investigation. 
The specific reasons why TransUnion determined the disputed information to be accurate, and why no corrections were made. 
XXXX. Immediate Overnight Delivery of Documents I demand that all of the above-requested documentation be sent to me immediately via overnight mail at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I expect to receive these documents, along with the results of a full investigation, no later than [ Insert Date, XXXX Business Days from Today ]. If I do not receive the requested information within this time frame, I will pursue further legal action. 

XXXX. Lawsuit Filed in Federal Court Due to TransUnions failure to conduct a reasonable investigation and the potential violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have filed a lawsuit in federal court against TransUnion. This lawsuit addresses the following violations : Failure to reasonably investigate the disputed information under the FCRA. 
Inadequate verification procedures and failure to provide me with proper documentation. 
Improper reporting and failure to correct the inaccurate information on my credit report. 
Violation of my rights under the FDCPA for engaging in deceptive or unfair credit reporting practices. 
If TransUnion fails to comply with this letter or continue mishandling this matter, I will pursue all available legal remedies, including seeking monetary damages, legal fees, and other relief as permitted under the law. 

XXXX. Demand for Compliance with Federal Laws Failure to comply with this demand and the FCRA 's requirements will result in additional legal claims against TransUnion. The FCRA, FDCPA, FTC regulations, and CFPB guidelines require credit reporting agencies to maintain transparency in the dispute process and ensure the accuracy of information on consumers credit reports. If TransUnion fails to delete the disputed accounts immediately or fails to provide all requested documents, I will continue to pursue all appropriate legal actions to hold TransUnion accountable for its failures. 

Please treat this matter with urgency and respond promptly. Failure to provide the requested documentation and to properly investigate or delete the disputed accounts will result in further escalation, including continued litigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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