Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - SUBJECT : FAILURE TO COMPLETE REINVESTIGATION WITHIN XXXX DAYS / FORMAL DEMAND FOR DELETION OR METHOD OF VERIFICATION ( M.O.V. ) Account in Dispute : XXXX Funding | Acct # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To Whom It May Concern, On * * XX/XX/XXXX * *, I submitted a dispute regarding the above-referenced XXXX XXXX account to * * TransUnion * * via the * * XXXX * * portal. XXXX receipt was * * XX/XX/XXXX * *. As of * * XX/XX/XXXX * *, no reinvestigation results have been provided. This exceeds the * * XXXX * * reinvestigation period required by the Fair Credit Reporting Act ( FCRA ). 

Because the statutory window has expired, the item is * * unverified as a matter of law * * and must be * * deleted * *. If TransUnion contends the account was verified, I hereby demand the * * Method of Verification ( M.O.V. ) * *. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I. SPECIFIC DEFECTS IN TRANSUNIONS REPORTING -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX ) * * Date of Last Activity ( XXXX ) Misrepresentation * * Reported by TransUnion : * * XX/XX/XXXX * * Consumer statement : * * No payments, arrangements, or activity in XXXX * * This suggests potential * * re-aging * *, implicating * * FCRA 623 ( a ) ( 5 ) * * ( accurate reporting of DOFD ) and the obsolescence rules of * * 605 ( a ) * *. 

XXXX ) * * Missing Term/Source Type * * Field : * * Blank * * Omitted core account attributes undermine accuracy and verifiability. 

XXXX ) * * Logical Inconsistency ( Status vs. Rating ) * * Current Rating : * * Collection/Charge-off * * Status : * * Open * * An account can not be simultaneously * * open * * and * * charged off * *. This is materially misleading. 

XXXX ) * * Payment History Data Gap * * Reported : * * No history available. * * Assigning a derogatory rating without substantiating history is unreasonable and misleading. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. CONTROLLING FCRA PROVISIONS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * A CRA * * shall complete * * a * * reasonable reinvestigation * * within * * 30 days * * of receiving a dispute.

* * 611 ( a ) ( 5 ) ( A ) * * If information * * can not be verified * *, it * * must be deleted * *.

* * 607 ( b ), 15 U.S.C. 1681e ( b ) * * CRAs must follow procedures to assure * * maximum possible accuracy * *.

* * 623 ( b ) * * Upon CRA notice, furnishers must conduct a * * reasonable investigation * * and correct/delete inaccurate data.

* * 623 ( a ) ( 5 ) * * Furnishers must * * accurately report the date of first delinquency ( DOFD ) * * ( re-aging concerns ).

* * 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ) * * After an investigation, the CRA must inform the consumer that a * * description of the procedure * * used to verify is available ; on request, the CRA * * shall provide * * that description ( the * * M.O.V. * * ) * * within XXXX days * *. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. CASE LAW SUPPORT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * * CRAs must do more than parrot the furnisher ; a * * meaningful * * investigation is required. 
* * XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) * * Verification requires * * actual evidence * *, not conclusory responses. 
* * XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) * * Contradictory/misleading reporting violates the FCRA. 
* * XXXX v. XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) * * Untimely/inadequate reinvestigations and inconsistent data breach FCRA duties. 
* * XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * * Liability for continuing to report * * unverifiable * * information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. DEMAND FOR RELIEF -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - * * A. Deletion ( Missed XXXX Deadline ) : * * TransUnion did not complete a reinvestigation within * * 30 days * * of * * XX/XX/XXXX * *. Under * * 611 ( a ) ( 5 ) ( A ) * *, the XXXX XXXX tradeline must be * * deleted immediately * *. Provide written confirmation and an updated credit report. 

* * B. If You Claim Verified : Provide M.O.V. ( XXXX  Days ) : * * If you assert verification, provide the * * full Method of Verification * * within * * XXXX days * * of receiving this letter, including : XXXX ) * * Business name, address, and phone * * of every furnisher/source contacted ; XXXX ) * * Date and method * * of each contact ( e.g., ACDV/e-OSCAR identifiers ) ; XXXX ) A * * description of the procedure * * used to determine accuracy/completeness ; XXXX ) * * All records relied upon * * ( furnisher responses, account application/contract, itemized statements, payment ledger, and DOFD documentation ). 

* * Reinsertion Notice : * * Do * * not * * reinsert any deleted information without full compliance with * * 611 ( a ) ( 5 ) ( B ) * * ( certification of accuracy and * * XXXX * * consumer notice ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - V. PRESERVATION OF RIGHTS & NEXT STEPS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is a * * preservation notice * *. Retain all ACDVs, e-OSCAR logs, furnisher responses, internal notes, call recordings, and policies used in my dispute. Continued noncompliance will result in additional complaints to the * * CFPB * * and * * FTC * *, and pursuit of remedies for willful/negligent noncompliance under * * 15 U.S.C. 616617 * * ( statutory, actual, and punitive damages, plus attorneys fees ). 

Enclosures ( previously provided ; available upon request ) : Government-issued ID ( Proof of Identity ) Recent bank statement ( Proof of Address ) Screenshot of the TransUnion report showing the disputed entries Sincerely, XXXX 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