Consumer complaint received 2025-01-22 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against TransUnion for FCRA Violations and Negligence Dear CFPB Representative, I am submitting this complaint to formally address TransUnions blatant disregard for my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Since XX/XX/XXXX, I have submitted multiple disputes to correct inaccuracies on my credit report. Despite providing detailed information, supporting documentation, and proof of identity, TransUnion has repeatedly failed to conduct a thorough investigation or provide adequate responses. 

Below is a summary of TransUnions violations and mishandling : 1. Failure to Investigate : TransUnion continues to dismiss my disputes with form letters that fail to address the specific issues I raised. In one instance, I received a response claiming my disputes were not authorized, despite including my ID, proof of address, and personal details.

2. Exceeding the FCRA Timeline : The FCRA requires credit reporting agencies to investigate disputes and provide results within 30 days. TransUnion has failed to resolve my disputes within this timeframe, causing significant delays and harm.

3. Neglecting to Verify Information : TransUnion has allowed inaccurate information to remain on my credit report without providing any verification of its accuracy. This includes errors related to accounts like XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
4. Using Illegal Form Responses : TransUnion has a pattern of sending generic responses that fail to address the details of my disputes. This violates FCRA requirements for a reasonable and individualized investigation. 

I have attached supporting documents, including my disputes, TransUnions dismissive responses, and account details proving the inaccuracies. The ongoing inaction has caused financial and emotional distress, including higher interest rates and credit denials. 

I am requesting the CFPB to : 1. Investigate TransUnion for their failure to comply with FCRA-mandated timelines and procedures.

2. Hold TransUnion accountable for not conducting a thorough investigation into my disputes.

3. Ensure the immediate removal of all inaccurate and unverifiable information from my credit report. 

I trust the CFPB will take immediate action to hold TransUnion accountable for their negligence and restore my rights as a consumer. Please do not hesitate to contact me for additional information or documentation. 

Sincerely, XXXX XXXX XXXX Attachments : Dispute letters submitted to TransUnion ( XX/XX/XXXX to XX/XX/XXXX ) TransUnions form responses Account details for disputed inaccuracies

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