Consumer complaint received 2025-03-11 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: NE

Complaint narrative:
I am filing this formal complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a proper dispute investigation, providing misleading and contradictory responses, and potentially closing my dispute prematurely without verification. TransUnions handling of my dispute raises serious concerns about whether they are systematically violating federal consumer protection laws by failing to reinvestigate disputes fairly and lawfully. 

Background of My Dispute & TransUnions Violations On XX/XX/year>, I submitted a formal dispute regarding a collection account ( Account # XXXX XXXX XXXX XXXX ) on my credit report. The entire dispute process was mishandled, and I am now formally demanding compensation and corrective action for the following violations : 1. False Rejection of My Proof of Address I submitted a valid drivers license and a recent utility bill, both of which meet TransUnions own requirements for proof of address. 
TransUnion falsely claimed my documentation was unacceptable, preventing my dispute from being processed properly. 
After escalating, a TransUnion representative confirmed that my documents were valid all along, proving that the initial rejection was misleading and deceptive. 

2. Contradictory & Deceptive Statements by TransUnion During My Phone Call When I called TransUnion, the first representative confirmed that my proof of address was valid. 
However, after escalating, a TransUnion supervisor first claimed he could only see my drivers license, not my utility bill. 
When I challenged this, the supervisor suddenly found my utility bill in the system, proving that TransUnion was either withholding information or misleading me about the status of my dispute. 
The supervisor then claimed my dispute had already been investigated and the account was verified. However : I was never notified that the dispute was resolved. 
I was never provided verification documents proving the accounts validity. 
It had not even been XXXX days since I submitted my dispute, which raises concerns that TransUnion closed my case prematurely without conducting a real investigation. 

3. Failure to Provide Verification Documentation in a Timely Manner When I asked for proof of the account verification, the manager claimed that the verification documents were recently mailed on XX/XX/year>. 
This does not make sense because if the dispute had been legally resolved, I should have received verification at the time of resolution, not only after I challenged TransUnion. 
If TransUnion was still mailing the documents, then the investigation was still active, meaning my account should not have been marked as verified. 

4. How Did TransUnion Verify My Account If They Claimed My Proof of Address Was Unacceptable? 
If TransUnion determined my proof of address was unacceptable, they should have stopped the investigation until I provided valid documentation. 
However, they claimed to have already verified the account before accepting my proof of address. 
How could TransUnion complete a verification if they had not even confirmed my identity or address first? 
This contradiction suggests : They either conducted an invalid investigation using incorrect or missing information. 
Or, they never actually performed a real investigation at all and simply marked my dispute as verified without proper review. 
This is a direct violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of disputed information. 

5. Failure to Mark the Account as Disputed Under FCRA 15 U.S.C. 1681e ( 8 ), credit bureaus are required to mark an account as Disputed while a reinvestigation is ongoing. 
Since I was never properly notified of the dispute results and had not yet reviewed the verification documents, my account should have remained marked as " Disputed '' instead of being reported as verified.

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