Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
Subject : Failed to Reinvestigate Within 30 Days Request for Immediate Deletion of XXXXXXXX XXXX Account/Final Demand To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX Final Notice Demand for Permanent Deletion of XXXX XXXX  Account from Credit Report This letter serves as a final formal dispute and legal demand regarding the XXXX XXXX  account currently appearing on my TransUnion credit report. My original dispute was submitted on XX/XX/XXXX, and your agency failed to complete a proper reinvestigation and verification of this account within the time frame required under the Fair Credit Reporting Act ( FCRA ). Responded On XX/XX/XXXX after the 30 day time-frame. 

Disputed Account Information : Account Number : XXXX Creditor/Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Current Status : Collection/Charge-off Balance : {$1000.00} Status Type : Open Individual Legal Violations : 1. FCRA 611 ( a ) ( 1 ) ( A ) Incomplete Reinvestigation TransUnion is required to conduct a reasonable reinvestigation and provide results within 30 days of receiving a dispute. Instead of a substantive response, your agency issued a vague and noncompliant message on XX/XX/XXXX ( XXXX  Days from initial dispute ) stating : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX ACTIVE DISPUTE. 
This is not a valid result of a reinvestigation under the FCRA. Simply noting an Active Dispute status does not fulfill your duty to verify the accuracy of the information with supporting documentation, also this exceeds the time limit giving to verify an account.

2. FCRA 611 ( a ) ( 5 ) ( A ) Failure to Delete Unverified Information If the disputed account can not be verified with documentation and accuracy, it must be permanently removed. Your failure to produce any form of documentation or method of verification demonstrates that the XXXX XXXX account remains unverified. 

XXXX. Failure to Provide Method of Verification You failed to provide the Method of Verification ( M.O.V. ) or any supporting documents from XXXX XXXX or the original creditor, XXXX XXXXXXXX XXXX. This violates the FCRA and my consumer rights to verify the legitimacy of reported data. 

4. FCRA 623 ( a ) ( 1 ) ( A ) Reporting Inaccurate and Contradictory Information The following inconsistencies and deficiencies make this tradeline inaccurate and unverifiable : Account shows Open while also marked Collection/Charge-off, which is contradictory. 
No payment history is reported. 
No supporting documents provided. 
Failure to verify any details related to the origination, ownership, or activity on this debt. 

Supporting XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court affirmed that failing to verify within 30 days justifies removal of the disputed information from a consumer credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : A credit bureaus failure to reinvestigate and verify with documentation exposes them to legal liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This case supports that if a credit bureau fails to properly investigate or respond within the legally mandated period, they can be held liable for damages due to violations of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This case emphasizes the duty of credit bureaus to conduct a reasonable investigation and take action within the required 30-day window. 

Note : In XXXX, the Consumer Financial Protection Bureau ( CFPB ) took enforcement action against major credit bureaus for failing to remove inaccurate and unverified information within the FCRAs required 30-day period, reinforcing that delayed or incomplete responses are violations subject to legal and regulatory consequences.

Demand for Deletion : Because you failed to provide a legally compliant reinvestigation, and instead provided an insufficient status update, you are now in clear violation of the FCRA. Therefore, I am demanding the immediate and permanent deletion of the XXXX XXXX tradeline from my TransUnion credit report within seven ( 7 ) calendar days from the date of this letter. 

Notice of Intent to Sue : If you do not remove this account by XX/XX/XXXX, I will pursue legal remedies, including but not limited to : Filing an Intent to Sue notice to your legal team. 
Commencing a lawsuit for damages related to your noncompliance. 
Filing additional complaints with the CFPB, FTC, Texas Attorney General, and XXXX XXXX XXXX 

Conclusion : This is my final attempt to resolve this matter amicably. TransUnions actions have violated my rights under the Fair Credit Reporting Act and failed to demonstrate reasonable procedures for maintaining the accuracy of consumer reports. 

I expect a written confirmation of deletion within 7 calendar days, or I will proceed accordingly with legal action. 

Sincerely, XXXX XXXX XXXX ( XXXX ) 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