Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Final Demand / Failure to Respond/ Method of Verification Required Account Name : XXXX Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This is a formal final demand and follow-up dispute regarding the XXXX account referenced above. 

I originally submitted a detailed dispute via the CFPB on XX/XX/XXXX concerning multiple FCRA violations and reporting inaccuracies. According to XXXX : TransUnion received the dispute on XX/XX/XXXX Experian received the dispute on XX/XX/XXXX Equifax responded, but failed to provide a legally sufficient Method of Verification As of XX/XX/XXXX, TransUnion and Experian have not responded which constitutes a direct violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations ( All Bureaus ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation within 30 days of receiving a consumers dispute. If you can not verify the account, it must be deleted under 1681i ( a ) ( 5 ) ( A ).

You are also obligated to : Provide the Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Supply all documentation that supports the accuracy of the reporting Notify me of results within 5 business days of completing any reinvestigation ( 1681i ( a ) ( 6 ) ( A ) ) Your non-response is a material violation of the FCRA and subjects you to civil liability under : FCRA 1681n Willful noncompliance ( statutory + punitive damages ) FCRA 1681o Negligent noncompliance ( actual damages + costs ) Relevant Case Law Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) A credit bureau must go beyond the original source and conduct an independent and reasonable investigation.

XXXX XXXX XXXX, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Failing to conduct a reasonable reinvestigation after notice from the consumer is a violation of the FCRA. 

XXXX v. Equifax XXXXXXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX ) A credit reporting agencys failure to delete or correct inaccurate information after receiving a dispute violates the FCRA. 

Specific Demand to Equifax While you responded, Equifax has failed to comply with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), which requires you to : Provi

de the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher of information contacted.

I am demanding full Method of Verification ( MOV ) from Equifax. You have 15 days from receipt of this letter to comply with this demand. Failure to do so will result in immediate escalation, including a legal complaint.

Specific Request and Action Items ( All Bureaus ) TransUnion & Experian : You have failed to respond within 30 days.

Per FCRA 1681i ( a ) ( 5 ) ( A ), you are now required to delete this XXXX account entirely. 
This must be done within XXXX calendar days of receipt of this letter. 

Equifax : Provide a full XXXX of XXXX within 15 days. 
If you can not provide this, the account must be deleted immediately as unverified. 

If You Do Not Comply If you fail to take the above actions : I will submit a formal Intent to Sue I will file a Small Claims lawsuit for damages, court costs, and legal fees I will file follow-up complaints with the CFPB, FTC, and New York State Attorney General Attached Documents : Copy of original dispute ( dated XX/XX/XXXX ) Proof of CFPB delivery receipts Government-issued ID Bank statement Annotated consumer report inconsistencies I expect full compliance with the FCRA and a written response as outlined above. The time to verify, fix, or ignore this issue has passed. I will not accept a generic verified response or template form letter. 

Sincerely, XXXX 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