Consumer complaint received 2025-03-16 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: MD

Complaint narrative:
Subject : Request for Review of Complaints Regarding Credit Reporting Agencies ' Persistent Violations of the FCRA To the Consumer Financial Protection Bureau, I am writing to request an in-depth review of my complaints and the responses I have received from credit reporting agencies ( Experian, Equifax, and TransUnion ) , regarding their persistent and blatant failures to comply with the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

I have filed multiple complaints with the CFPB. These complaints detail the credit reporting agencies ' systemic failures, which have been consistent since before my initial submission via the CFPB starting in XX/XX/year> and continue to remain unresolved, to : * Conduct reasonable reinvestigations of disputed information : Experian, Equifax, and TransUnion have repeatedly failed to adequately investigate and resolve inaccuracies and unverifiable accounts on my credit reports. Their responses demonstrate a clear disregard for the FCRA 's requirements for thorough and fair reinvestigations. 
* Forward consumer-provided evidence to furnishers : Despite providing specific documentation and details to support my disputes, these credit reporting agencies have shown a pattern of neglecting to forward this information to the furnishers of the disputed information. This obstructs the reinvestigation process and perpetuates inaccuracies. 
* Accept unreliable responses from furnishers : These credit reporting agencies have demonstrated a willingness to accept inadequate and unreliable responses from furnishers without further scrutiny or investigation. This practice undermines the integrity of the credit reporting system and leaves consumers vulnerable to inaccuracies. 
* Adequately notify consumers of dispute outcomes : The notifications from these credit reporting agencies regarding dispute outcomes have been insufficient and have failed to provide clear explanations or justifications for their findings. This lack of transparency prevents consumers from fully understanding and addressing the issues with their credit reports. 
* Ensure maximum possible accuracy of information : By failing to conduct reasonable reinvestigations and relying on unreliable information, Experian, Equifax, and TransUnion are violating their obligation to ensure the maximum possible accuracy of information in my credit reports as required by the FCRA.

These failures are not isolated incidents but rather a persistent pattern of non-compliance that highlights systemic issues within these credit reporting agencies. As noted in my previous complaints, these issues directly mirror the allegations in the CFPB 's lawsuit against Experian. 
I urge the CFPB to thoroughly review all of my complaints and the responses from these credit reporting agencies. I believe that this review will further demonstrate the agencies ' persistent and blatant disregard for the FCRA and the rights of consumers. 
Thank you for your attention to this critical matter. 
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