Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I submitted a written dispute to TransUnion on XX/XX/XXXXXXXX  regarding multiple inaccurate items on my credit report. 
In my dispute letter, I clearly identified the disputed accounts and provided detailed explanations of the inaccuracies, contradictions, and unverifiable information. I also supplied all required identity verification documents, including : Government-issued ID Social Security card Proof of address TransUnion received my dispute and documents, yet failed to provide a response within the 30-day period required under the Fair Credit Reporting Act ( FCRA ) 611. 
TransUnion has not provided investigation results, nor have they conducted a proper reinvestigation based on the evidence I supplied. 

Their failure to respond violates : FCRA 611 Duty to conduct a reasonable reinvestigation FCRA 607 ( b ) Requirement to ensure maximum possible accuracy FCRA 609 ( e ) Duty to provide information used to verify disputed accounts ( where applicable ) Because TransUnion ignored my dispute entirely, the inaccurate information remains on my report, harming my : Creditworthiness Ability to obtain credit Financial opportunities Overall consumer rights under federal law Disputed Items That TransUnion Failed to Investigate 1. SELECT XXXX XXXX Account XXXX My dispute letter explains multiple contradictions making the account inaccurate, incomplete, and unverifiable, including : Conflicting account status across bureaus Inconsistent payment history Different dates of last payment and activity Contradictory foreclosure comments Missing balance information This information can not be verified as accurate and must be removed 2. Public Record Bankruptcy ( Reference # XXXX ) The public record is incomplete, inconsistent, and unverifiable, and the reporting source is unclear. 
Bankruptcy courts DO NOT furnish consumer data to credit bureaus, so TransUnion must disclose the verification source, which they failed to do. 
I requested deletion because the reporting violates FCRA standards. 
3. Unauthorized Inquiry XXXX  XXXX ( XX/XX/XXXXXXXX  ) I disputed this as an unauthorized inquiry and requested deletion. 
4. Inaccurate Personal Information I disputed two addresses that do not belong to me and asked for removal.

TransUnion has not corrected these inaccuracies TransUnion was legally required to : Conduct a reasonable reinvestigation Respond within 30 days Provide written investigation results Provide the method of verification ( FCRA 611 ( a ) ( 6 ) ( B ) ) Correct or delete inaccurate, incomplete, or unverifiable information They failed to do all of the above.

Because TransUnion refused to investigate and continues reporting inaccurate information, I am experiencing : Lower credit scores Denial of credit opportunities Emotional and financial stress Ongoing harm to my credit profile This is a direct violation of my rights under 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