Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
Re : Response to Bureaus Statement XXXX  XXXX ACTIVE DISPUTE Demand for Compliance with the FCRA To Whom It May Concern : This letter is in response to your statement : XXXX XXXXXXXX ACTIVE DISPUTE. 

This response is insufficient and does not satisfy your obligations under the Fair Credit Reporting Act ( FCRA ). 
Marking an account as active dispute is not the conclusion of an investigation and does not address the legal requirements for accuracy, verification, or completeness. 

XXXX. A Proper Reinvestigation Is Required FCRA 611 ( a ) ( 1 ) ( A ) The FCRA requires you to : Conduct a reasonable reinvestigation, Review all relevant information I provided, And report results that are accurate, complete, and verifiable. 

Marking an account as active dispute does not show that any reinvestigation took place. It is simply a status tag and does not answer the dispute. 

XXXX. Notification of Results Must Be Complete FCRA 611 ( a ) ( 6 ) ( A ) You are required by law to provide : The results of the reinvestigation, A written summary, And a description of the procedure used to verify the account. 

You did not provide any of these items. 
There is no proof of : Who you contacted, What documents were used, Or whether the information was verified, corrected, or deleted. 

A status label is not a proper conclusion under the FCRA. 

XXXX. Method of Verification ( MOV ) Required FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I am formally requesting the Method of Verification, which includes : The name, address, and telephone number of the furnisher, How the account was verified, What evidence was used, And copies of the documents relied upon. 

You must provide this within 15 days. 

XXXX. Unverified Information Must Be Deleted FCRA 611 ( a ) ( 5 ) If the disputed information can not be verified, it must be promptly deleted from the credit file. 

Since you have not provided : Verification, Documentation, Or procedural results, XXXX  XXXX  XXXX account is considered unverified and must be deleted. 

XXXX. Furnishers Must Conduct Their Own Investigation FCRA 623 ( a ) ( 3 ) XXXX  XXXX is required to : Investigate my dispute, Review all evidence, And report accurate information. 

If they did not respond to you with full verification, then you must remove the account under federal law. 

DEMANDS I am requesting the following actions : Provide the Method of Verification for the XXXX XXXX account. 

Provide copies of all documents used to verify the information. 

Provide a complete reinvestigation summary as required by FCRA 611 ( a ) ( 6 ). 

If the account can not be verified with evidence, delete the account immediately under FCRA 611 ( a ) ( 5 ). 

If you fail to comply, I will proceed with : A supplemental complaint to the CFPB, A complaint to the State Attorney General, And consideration of civil action under FCRA 616617. 

Please respond in writing to the address listed above. 

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