Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX. PA XXXX Re : Multiple FCRA Section 609 ( b ) Violations - Request for Investigation Documentation To Whom It May Concern : This letter serves as a formal request under Section 609 ( b ) of the Fair Credit Reporting Act ( FCRA ) for the disclosure of all information in my file at the time of my previous disputes. This request follows multiple failures by TransUnion to conduct proper investigations of my disputes.

I have documented evidence of multiple violations of the FCRA in your handling of my disputes regarding the following accounts : 1. Achieve Personal Loans ( # XXXX XXXX XXXX XXXX XXXX ) 2. XXXXXXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) 3. XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) FCRA SECTION 609 ( b ) REQUEST : Pursuant to Section 609 ( h ) of the FCRA, I am entitled to disclosure of the following : The nature and substance of all information in my file : Please provide complete copies of all information in my file related to the above accounts, including all records of communications between TransUnion and the data furnishers.

2. The sources of the information : Please identify all sources of information for these accounts, including the specific individuals at each furnisher who verified the disputed information.

3. All recipients of consumer reports : Please provide a list of all entities that received consumer reports containing these disputed accounts within the past 2 years.

4. Reinvestigation procedures : Please provide a detailed description of your reinvestigation procedures for my disputes, including : Copies of all communications sent to the furnishers Exact questions posed to the furnishers Complete responses received from the furnishers Documents provided by the furnishers to verify the accounts Names and credentials of TransUnion employees who evaluated my disputes EVIDENCE OF FCRA VIOLATIONS : As documented in your investigation results : 1. Achieve Personal Loans : File Number XXXX dated XX/XX/XXXX shows this account was DELETED, yet it was later reinserted without the legally required notice. 
2. XXXXXXXX XXXX XXXX File Number XXXX dated XX/XX/XXXX shows this account was " verified as accurate '' despite containing inconsistent information across credit bureaus. 
3. XXXX : File Number XXXX dated XX/XX/XXXX shows this account has not been updated since XX/XX/XXXX - over 2.5 years ago - yet was " verified as accurate. '' These facts demonstrate that TransUnion failed to conduct the " reasonable reinvestigation '' required by the FCRA.

LEGAL REMEDIES : Failure to comply with this request within 15 days may result in : Filing a complaint with the Consumer Financial Protection Bureau Filing a complaint with your state 's Attorney General Pursuing legal action for willful noncompliance with the FCRA Please provide a complete response to this request within 15 days. 
Sincerely, 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