Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, one of the major credit reporting agencies, for failing to properly address my dispute regarding inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/year>, I submitted a written dispute ( file number : XXXX ) to TransUnion requesting the correction of my legal name and the removal of information associated with an incorrect name, XXXX XXXX XXXX. I included all of the required documentation to verify my identity and prove the accuracy of my claim. Specifically, I enclosed : XXXX. A copy of my Social Security card.

2. A copy of my drivers license.

3. A copy of my birth certificate.

4. A recent utility bill as proof of address.

Despite providing this extensive documentation, I received a response from TransUnion dated XX/XX/year>, claiming that I needed to submit additional identity verification documents, which I had already provided. ( This was also not the only credit bureau that I sent this letter to, XXXX was able to complete the request using the information sent in by me. ) This is clearly a stall tactic and a failure to fulfill their obligations under the FCRA. 

Violations of the FCRA 1. Failure to Properly Investigate Disputes : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation of disputes. Instead of conducting a proper investigation, TransUnion has chosen to stall and request duplicate documentation.

2. Failure to Correct or Remove Inaccurate Information : The FCRA requires that inaccurate or unverifiable information must be corrected or removed within 30 days. XXXX actions appear to be an attempt to avoid compliance with this requirement. 
XXXX. Unfair Practices : XXXX refusal to acknowledge the documentation I submitted demonstrates an intentional disregard for my rights under the FCRA. 

I have attached copies of the original dispute I sent to TransUnion, the supporting documentation, and their inadequate response for your reference. 

Conclusion : XXXX actions have caused unnecessary delays and stress, and their refusal to address this issue in good faith violates federal law. I trust the CFPB will intervene to hold TransUnion accountable and protect my rights as a consumer. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of the original dispute letter sent to TransUnion 2. Copies of all supporting documents ( SSN card, drivers license, birth certificate, utility bill ) 3. Copy of TransUnions response dated XX/XX/year> 2025

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 explanation