Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am submitting this complaint against TransUnion due to their repeated and willful failure to conduct a reasonable reinvestigation of disputed items on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This provision requires consumer reporting agencies to investigate disputed information within 30 days of receipt and to correct or delete inaccurate or unverifiable information. 
XXXX. Initial Dispute XX/XX/year> On XX/XX/year>, I mailed a formal dispute letter to TransUnion, properly identifying myself and enclosing supporting documentation including a copy of my government-issued ID, Social Security card , and proof of address. The letter challenged the accuracy of the following accounts and requested details of TransUnions reinvestigation procedures : XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate reporting without proper verification. 


XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Collection account with discrepancies and no evidence of substantiated verification. 


XXXX. TransUnions Inadequate Response XX/XX/year> On XX/XX/year>, TransUnion responded stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This assertion is baseless. The dispute was submitted directly by me, the consumer, with all required identifying documentation. As per FCRA 1681i ( a ), once a dispute is received, the credit reporting agency is obligated to conduct a reasonable reinvestigation. TransUnions refusal to process the dispute on unsupported grounds constitutes a direct violation of their statutory duty. 
XXXX. Second Dispute XX/XX/year> Due to their failure to comply, I submitted a second dispute on XX/XX/year>, requesting a reinvestigation of the same items. TransUnion failed to respond within the XXXX period mandated by FCRA, constituting another clear violation. 
XXXX. Third Dispute XX/XX/year> On XX/XX/year>, I submitted a third and final dispute letter. On XX/XX/year>, TransUnion issued a response identical to the XX/XX/XXXX letter, again claiming the request was not submitted by medespite the presence of all necessary verification documentation. 
Violations and Harm : TransUnion has failed on multiple occasions to initiate or complete a reasonable reinvestigation as required by federal law. Their continued inaction and improper denial of valid disputes are violations of the FCRA and have caused me measurable harm, including : Ongoing inaccurate negative reporting, Denial of access to fair credit opportunities, Emotional distress and undue frustration in attempting to resolve these issues in good faith.

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