Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Certainly! Here 's a revised version of your letter, incorporating relevant laws and regulations while also conveying your frustration. I've included references to the Fair Credit Reporting Act ( FCRA ), which governs credit reporting practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Discrepancy in TransUnions Dispute Handling and Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file an official complaint regarding TransUnions mishandling of my credit report disputes, which I initially submitted through the Consumer Financial Protection Bureau ( CFPB ). I have received two conflicting letters from TransUnion, and I believe they are stalling the dispute process and failing to comply with the Fair Credit Reporting Act ( FCRA ). This is causing unnecessary confusion, and I am requesting immediate investigation and correction of the matter. 

First, TransUnion sent me a letter stating that they can not locate my credit file and, therefore, are unable to process my disputes. However, in a separate letter, TransUnion indicated that they had completed an investigation on one of my accounts and provided a dispute result. This is an outright contradiction, as TransUnion claims they can not locate my file but somehow processed a dispute for one account. This confusion is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), a credit reporting agency is required to investigate any disputed information on a consumers credit report, and they must complete that investigation within 30 days of receiving the dispute. By failing to properly investigate my disputes, and by sending conflicting responses, TransUnion is not only failing to adhere to the FCRA but also preventing me from understanding the status of my credit report.

Moreover, Section 605 of the FCRA ( 15 U.S.C. 1681c ) mandates that any inaccurate or unverifiable information be deleted from a consumers credit report. The ongoing confusion and failure to investigate my disputes is clearly violating my rights under the FCRA, and I am requesting that TransUnion immediately correct the inaccuracies on my report, including deletion of any unverified or erroneous items. 

The confusion and lack of resolution have caused me significant frustration. I am requesting that the CFPB intervene and ensure TransUnion follows the law by : Properly investigating all of my disputes in accordance with the FCRA. 

Deleting any inaccurate or unverifiable information from my credit report. 

Providing clear, accurate, and timely responses to all of my disputes.

I am attaching copies of the two letters I received from TransUnion for your reference : The letter stating they can not locate my file and therefore can not process my disputes.

The letter stating that an investigation has been complete
d for one of my accounts and providing a result.

Please address this matter as soon as possible. I expect my credit file to be thoroughly investigated, and for inaccurate information to be corrected and deleted, as mandated by law. 

Thank you for your immediate attention to this issue. I look forward to your prompt response and the resolution of this matter. 

Sincerely, XXXX XXXX XX/XX/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