Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
I am filing this complaint against * * TransUnion LLC * * for multiple violations of the * * Fair Credit Reporting Act ( FCRA ) * * related to their continued reporting of * * fraudulent XXXX XXXX XXXX XXXX accounts * * ( Account Nos. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and their failure to provide a legally required * Method of Verification * within the time allowed by law. 

On * * XX/XX/XXXX * *, I submitted a written dispute and * Method of Verification request * under * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * * and * * 1681i ( a ) ( 7 ) * *, concerning the fraudulent XXXX XXXX accounts that were the result of identity theft. Along with my dispute, I provided all documentation required under * * 15 U.S.C. 1681c-2 ( Section 605B ) * *, including : - A * * police report * * ; - A * * FTC Identity Theft Report * * ; and - Copies of my identification and proof of residence. 

Despite this, TransUnion failed to respond to my XX/XX/XXXX letter within the required * * 30-day time period * *, as mandated by * * 1681i ( a ) ( 1 ) ( A ) * *. To date, I have not received any written response or description of the method of verification used to confirm the accuracy of the disputed accounts. The fraudulent XXXX XXXX accounts remain on my TransUnion credit report. 

The FCRA explicitly requires credit reporting agencies to : - Conduct a * * reasonable reinvestigation * * of disputed information ( 1681i ( a ) ( 1 ) ) ; and- Provide a * * detailed description * * of the verification procedure ( 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681i ( a ) ( 7 ) ). 

Federal courts have ruled that credit reporting agencies can not simply rely on automated responses from furnishers : - * * XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) * * The court held that a CRA must conduct an * independent and reasonable reinvestigation * and not rely solely on a furnishers confirmation. 
- * * XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) * * The court found that a CRAs duty under 1681i requires more than parroting data provided by the furnisher.

By ignoring my verified identity theft documentation and failing to provide a response within 30 days, TransUnion has violated * * 1681i * *, * * 1681c-2 * *, and engaged in * * willful noncompliance * * under * * 1681n * * and * * 1681o * * of the FCRA. 

I have also provided pictures of Transunion workers signature confirming they recieved my dispute letter and the certified tracking mail reciept. proving it was sent to Transunion -- - * * Requested Relief : * * 1. Immediate * * deletion * * of the fraudulent XXXX XXXX XXXX XXXX accounts ( Nos. XXXX and XXXX ) from my TransUnion credit report ; XXXX. Written confirmation of removal within 15 days ; and XXXX. Enforcement action and civil penalties against TransUnion for violating the FCRA.

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