Consumer complaint received 2025-04-28 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: AL

Complaint narrative:
Notice of Intent to Sue TransUnion and XXXX XXXX for Repeated FCRA Violations and Failure to Comply with 30-Day Dispute Requirements To Whom It May Concern, I am writing to formally place TransUnion on notice of my intent to initiate legal proceedings due to your repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of my account with XXXX XXXX XXXX 

Over the past several months, I have submitted multiple disputes to TransUnion regarding fraudulent, incomplete, and inconsistent information reported by XXXX XXXX. In each submission, I provided extensive documentation, including payment records, proof of conflicting reporting across bureaus, and evidence that the reported late payments and delinquency statuses were inaccurate and legally impossible ( e.g., reporting 60 and 90-day late payments without any prior 30-day delinquency ). 

Despite clear evidence provided, TransUnion has continued to allow XXXX XXXX to " verify '' the information without conducting a reasonable or lawful investigation, as required by 15 U.S.C. 1681i ( a ). Furthermore, in violation of FCRAs 30-day investigation rule, TransUnion has altered the receipt dates of my disputes to appear as though they were received later, thereby unlawfully extending the investigation window and preventing proper deletion of inaccurate information as mandated by law. 

Additionally, each time I submitted a dispute, instead of properly investigating, TransUnion permitted XXXX XXXX to alter information including payment dates and status details without informing me or providing a valid method of verification, further violating your legal responsibilities under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

TransUnions actions demonstrate willful noncompliance with the FCRA and a deliberate attempt to enable XXXX XXXX to continue damaging my consumer credit profile without accountability. Moreover, TransUnions delayed responses, failure to delete unverifiable information within the required 30 days, and repeated acceptance of materially changed information constitute severe breaches of consumer protection laws. 

Please be advised that if the XXXX XXXX account is not immediately deleted from my TransUnion credit file, and if TransUnion does not cease further unlawful reporting activities tied to this account, I will proceed with filing a lawsuit against both TransUnion LLC and XXXX XXXX. My legal claim will include all available damages for FCRA violations, emotional distress, and punitive damages for willful noncompliance. I also intend to submit all of my evidence including copies of prior disputes, altered timelines, proof of CFPB complaints, and tracking of each unauthorized update in support of my claims. 

This letter shall serve as your final notice and opportunity to correct this matter before legal action commences. Should I file suit, I will use the CFPB complaint submissions, your documented failures, and the timeline of your misconduct as evidence before the court.

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