Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/year> Re : CFPB Complaint Against TransUnion Noncompliance with FCRA & Failure to Timely Remove Fraudulent Information Dear CFPB Representative, This is a formal follow-up to my previously submitted complaint regarding TransUnion 's failure to remove fraudulent items from my credit report, despite being provided with a valid Identity Theft Report, government-issued ID, and Social Security card.

TransUnion has responded with an interim notice, stating that they are still working on the issue and will respond within sixty ( 60 ) days. This is unlawful and a clear stall tactic that violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and my consumer rights under federal law.

TransUnion is Currently Violating the Following Federal Statutes : 15 U.S. Code 1681c2 Block of information resulting from identity theft TransUnion is required to block fraudulent information within 4 business days of receiving : A valid Identity Theft Report Proper proof of identity I submitted these through the appropriate channels. Delaying a resolution for 60 days is a direct violation of this requirement.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Reinvestigation of disputed information Credit reporting agencies must complete reinvestigations within 30 days of a consumer dispute.

No valid legal basis exists for a 60-day delay in this case, as no additional documents have been requested or submitted.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Deletion of unverifiable or inaccurate information If disputed information is found to be fraudulent or unverifiable, it must be promptly deleted from the credit report.

TransUnion has not removed the items nor updated me with any investigative findings, despite being beyond the legal timeframe.

15 U.S. Code 1681n and 1681o Civil liability for willful or negligent noncompliance TransUnions continued refusal to comply may entitle me to damages, legal costs, and attorneys fees for willful and negligent violations.

Requested Action : I respectfully request the CFPB to enforce TransUnions compliance with federal law and take appropriate action regarding the following : Immediate and permanent removal of all fraudulent accounts and inquiries related to the identity theft report.

Written confirmation of the deletion from TransUnion.

Updated credit report reflecting these removals within 7 days.

Investigation into TransUnions willful delay tactics and enforcement of penalties where appropriate.

I have followed every requirement under the FCRA and submitted all documentation in good faith. TransUnion 's attempt to delay this matter for 60 days is unacceptable and unlawful.

Thank you for your attention to this urgent matter. Please let me know if additional documentation is needed. 

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 explanation