Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Date : XX/XX/XXXX Subject : Formal Request for Method of Verification ( MOV ) and Immediate DeletionAccount in Dispute : XXXX XXXX XXXX XXXX Acct XXXX XXXX Reporting Agencies : TransUnion XXXX Experian To Whom It May Concern, This letter serves as a formal Method of Verification ( MOV ) request and demand for immediate deletion of the XXXX XXXX XXXX XXXX account ( # XXXX ) from my credit file due to your continued noncompliance with the Fair Credit Reporting Act ( FCRA ). 

Recap of Violations * Dispute sent to TransUnion on XX/XX/XXXX You received it on XX/XX/XXXX, but responded XX/XX/XXXX 43 days later. 
* Dispute sent to Experian on XX/XX/XXXX You received it on XX/XX/XXXX, but responded XX/XX/XXXX 58 days later. 
Both responses exceeded the XXXX timeframe established under FCRA 611 ( a ) ( 1 ) ( A ). As a result, this account is now legally unverifiable and must be deleted.

FCRA Violations 1. FCRA 611 ( a ) ( 1 ) ( A ) You are required to complete a reinvestigation within 30 days of receiving a dispute. This was not done. By law, if the investigation is not completed within that timeframe, the account must be removed.

... the consumer reporting agency shall, free of charge, conduct a reasonable reinvestigation ... before the end of the 30-day period ... or delete the item from the file of the consumer. FCRA 611 ( a ) ( 1 ) ( A ) 2. FCRA 611 ( a ) ( 5 ) ( A ) If information can not be verified, it must be promptly deleted.

If ... an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item.

3. FCRA 623 ( a ) ( 1 ), 607 ( b ), 602 ( a ) The data being reported is materially inconsistent, inaccurate, and incomplete across bureaus, which violates your duty to report data with maximum possible accuracy.

CFPB.gov Disputes Are Legally Equivalent Per FCRA 611 ( e ) and CFPB guidance, any dispute submitted through the CFPB portal is legally the same as one submitted directly to the credit bureau. It triggers the same FCRA obligations, including the XXXX investigation period. 
" A consumer reporting agency shall include a notice that a consumer XXXX submit a dispute directly to the consumer reporting agency. '' FCRA XXXX ( XXXX ) ( Supported by CFPB XXXX XXXX ) Your attempts to respond late or make corrections after the XXXX window are null and void. The account is now legally unverifiable, and you can not retroactively cure the violation. 

Inconsistent & Inaccurate Reporting Issues : XXXX. Conflicting Last Activity Dates : XXXX : XX/XX/XXXX | XXXX : XX/XX/XXXX | EX : XX/XX/XXXX XXXX. Different Payment Histories : TU : No data | XXXX : 79 % on-time | EX : 70 % on-time XXXX. Late Payment Counts Differ : XXXX : XXXX | EQ : XXXX | EX : XXXX XXXX. XXXX XXXX XXXX XXXX. Months Reviewed Mismatch : XXXX : XXXX | XXXX : XXXX XXXX. $ 0 Monthly Payment Listed on XXXX XXXX XXXX. No XXXX XXXX XXXX despite charge-off XXXX. Contradictory Remarks : XXXX : Closed | EQ : Charged Off | XXXX : Loss These are material inconsistencies that can not be ignored and violate FCRA XXXX, XXXX ( b ), and XXXX ( a ). 

Formal Demands : In accordance with FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ), I now request : XXXX. Method of XXXX ( MOV ) How this account was verified XXXX. Full name, department, and contact info of the person at XXXX XXXX who verified it XXXX. All documents used in verification, including original signed contract XXXX. Full payment history, XXXX, and monthly breakdown XXXX. Proof of account ownership and charge-off balance details XXXX Notice You exceeded the legal XXXX window to reinvestigate this account. Therefore, it must be removed immediately under FCRA XXXX ( a ) ( XXXX ). 
You XXXX not : * Modify or update this account after the deadline * Reinsert or report it without new certification and written notice ( FCRA XXXX ( a ) ( XXXX ) ( B ) ) * Ignore inconsistencies that violate federal law Equifax has already deleted this account. There is no justification for continued reporting by TransUnion or Experian. 

If Not Resolved Immediately : I will proceed with the following : * File complaints with the FTC, CFPB, and State Attorney General * Submit formal intent to sue for violations of FCRA XXXX Response Requested Please respond within XXXX calendar days with : * Written acknowledgment of violations * Confirmation of permanent deletion * Updated credit report showing deletion Sincerely, 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