Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof that shows the violation Totally all law written to FCRA XXXX XXXX, AND TILA, DELETE IMMEDIATELY THE FOLLOWING ACCOUNT : " I am writing to formally file this complaint regarding the inaccurate information that persists on the account and has been verified by the bureau on my credit report regarding the following account : '' Account Name : XXXX XXXX Account Number : XXXX * * While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. Specifically, date of last payment, Comments, date last active and erroneous payment history. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within XXXX days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : Inconsistencies : There are discrepancies among the XXXX credit bureaus regarding this account, including date of last payment, Comments, date last active and erroneous payment history. 
Verification Issues : According to Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account. 
Consumer Rights : Under XXXX XXXX of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report. 
Accuracy Compliance : Additionally, under XXXX XXXX XXXX XXXX ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per XXXX XXXX XXXX XXXX ( a ) ( XXXX ), I request that you delete any unverifiable information. 
I am fully convinced and evidence attached to this complaint supports it that the credit bureau TRANSUNION has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) during its investigation process. 
Specifically, I believe there are additional violations committed by the credit bureau against my rights, as the account still shows discrepancies and inaccuracies even after the investigation. 
Failure to Investigate Accurately ( XXXX XXXX XXXX XXXX ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated XXXX timeframe. The results of the investigation did not adequately address my concerns. 
Inadequate Compliance Procedures ( XXXX XXXX XXXX XXXX ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 
Duties of Furnishers of Information ( XXXX XXXX XXXX XXXX ) : The furnishers of the disputed information did not adequately investigate or rectify the inaccuracies after being notified of my dispute, as required by law. 
Transparency and Accuracy ( TILA, XXXX XXXX XXXX ) : The information provided in my credit report has not been accurate or transparent, violating my consumer rights. 
Public Law XXXX, XXXX VI, Section XXXX, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. Your response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 
15 U.S.C. 1681i ( 7 ) - Description of XXXX : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within XXXX days of receiving a consumer 's dispute. To date, I have not received this required information. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( XXXX ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 
I am requesting that the CFPB investigate this matter and take appropriate action against TRANSUNION for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Furthermore, this constitutes a direct violation of XXXX XXXX XXXX XXXX ( a ) ( XXXX ), which requires the removal of inaccurate or unverified credit information. Therefore, I respectfully request the immediate deletion of the disputed account from my credit report. 
Thank you for your attention to this matter. I look forward to your response.

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