Consumer complaint received 2025-03-19 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:
Dear Sir/Madam, I am writing to file a formal complaint against TransUnion regarding their failure to properly investigate and validate accounts on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information, TransUnion has not conducted reasonable investigations nor provided me with the required validation of the accounts. This failure to act in compliance with the FCRA has led to harm to my credit profile. 
I have disputed several accounts on my credit report that I believe to be inaccurate or fraudulent. However, TransUnion has failed to provide the necessary documentation or explanation regarding their method of investigation or the verification process they followed to validate these accounts. This lack of transparency is a direct violation of the FCRA, specifically 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation of disputes within 30 days and provide the consumer with the details of the methods used to verify the disputed information. 
Under 15 U.S.C. 1681i, the FCRA mandates that : 1. When a consumer disputes an item, the credit reporting agency must investigate and resolve the dispute within 30 days.

2. The agency must notify the consumer of the results of the investigation. 
3. If the disputed information is not corrected or removed, the agency must provide the consumer with a description of the investigation procedures and any supporting evidence or documentation from the data furnisher. 
Despite my efforts to engage TransUnion in resolving this matter, they have not provided the validation information I am entitled to. This noncompliance with the FCRA is causing harm to my credit profile and preventing me from rectifying any inaccuracies. 
List of Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Given the significant issues I have encountered due to TransUnion XXXX failure to follow the FCRAs guidelines, I am also requesting compensation for the violations of my rights under the law. The improper handling of my dispute, the lack of transparency, and the continued inaccuracies on my credit report have caused me financial distress, and I believe I am entitled to redress for these violations. 
I request that the Consumer Financial Protection Bureau take action on the following : 1. Require TransUnion to provide me with a clear explanation of the investigation procedures followed in my disputes, including any correspondence with the data furnisher. 
2. Ensure TransUnion reopens the dispute and conducts a full, reasonable investigation in accordance with the FCRA.

3. Ensure that any inaccuracies or incomplete information on my credit report are corrected if the investigation reveals that the data is incorrect.

4. Require TransUnion to compensate me for the damages and distress caused by their failure to comply with FCRA regulations. 
If this matter is not addressed promptly and adequately, I will seek further legal recourse and escalate this issue to other relevant authorities, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing any additional remedies available under the FCRA. 
Thank you for your attention to this matter. I look forward to your response and any actions you can take to help resolve this issue.

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