Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute and Demand for Reinvestigation per FCRA XXXX ( a ) File Number : XXXX To Whom It XXXX Concern, I am writing in response to the notice you sent dated XX/XX/XXXX regarding my dispute. In your letter, you stated that TransUnion previously investigated the following accounts and therefore is not required to reinvestigate them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) I am disputing this determination and formally requesting deletion of these accounts for the reasons stated below. 

XXXX. Your refusal violates the FCRA requirements under 611 ( a ) ( 1 ) & 611 ( a ) ( 5 ) The Fair Credit Reporting Act requires a consumer reporting agency to conduct a reasonable reinvestigation any time a consumer disputes the completeness or accuracy of information.

There is no provision in the FCRA that allows TransUnion to refuse a reinvestigation simply because an item was investigated before.

The law is clear : FCRA 611 ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Your letter states that you are not required to reinvestigate the same items again, which is incorrect unless the dispute was determined to be frivolous. You did not classify my dispute as frivolous, nor did you provide the required notice under 611 ( a ) ( 3 ). Therefore, you are legally obligated to reinvestigate.

2. You failed to follow 611 ( a ) ( 2 ) ( A ) Forwarding all relevant information You are required to forward all relevant information I provided to the furnishers.

You did not confirm in your letter that this was done, and simply stated the items were previously verified. Prior verification does not exempt compliance with 611 ( a ) ( 2 ) ( A ).

Any refusal to forward the dispute information to the furnisher is a violation of federal law. 

3. You failed to meet the obligation to ensure maximum possible accuracy under 607 ( b ) TransUnion must ensure that the information on my credit file is accurate and complete. 
Because these accounts remain in dispute, they can not be assumed accurate without a current reinvestigation. Failure to reinvestigate results in the reporting of potentially inaccurate information, which violates 607 ( b ).

4. Because TransUnion will not reinvestigate, the disputed information must be deleted under 611 ( a ) ( 5 ) ( A ) The law clearly states : If an item is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that item of information.

You have refused to reinvestigate. That means you have not verified accuracy. Under 611 ( a ) ( 5 ) ( A ), any information that can not be verified must be deleted.

Formal Request I am demanding the following actions : Immediate reinvestigation of all disputed accounts listed above OR Deletion of all disputed accounts under 611 ( a ) ( 5 ) ( A ) for failure to verify them in response to my dispute. 

Failure to comply will result in the following steps : Filing a formal complaint with the CFPB XXXX complaints with my state attorney general Potential civil remedies under FCRA 616 and 617 Please provide written confirmation of your actions within the required 30 days. 

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