Consumer complaint received 2025-10-17 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: MI

Complaint narrative:
I am filing this follow-up complaint regarding continued systematic violations of the Fair Credit Reporting Act by all three major credit reporting agencies following their inadequate response to my original CFPB complaint # XXXX. Despite providing proper identification documentation ( driver 's license and Social Security card ) as required, these agencies have willfully failed to conduct proper investigations and continue to violate federal consumer protection law. 

On XX/XX/XXXX, I filed CFPB complaint # XXXX against Equifax, Experian, and TransUnion for systematic FCRA violations following their failure to properly investigate my notarized dispute letters dated XX/XX/XXXX. 

Key Facts from Original Complaint : - Properly notarized dispute letters sent XX/XX/XXXX - Proper identification provided : Driver 's license and Social Security card - Certified mail delivery to all three agencies - Over 60 days passed with inadequate or no response - Multiple closed accounts disputed across all three reports EQUIFAX INFORMATION SERVICES LLC - TOTAL NON-COMPLIANCE Current Violation Status : COMPLETE FAILURE TO INVESTIGATE Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) Equifax Response : XXXX INVESTIGATION CONDUCTED Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX - XXXX XXXX : {$61.00}, Closed XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$74.00}, Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$55.00}, Closed XX/XX/XXXX XXXX. XXXX - XXXX XXXX : {$510.00}, Closed XX/XX/XXXX XXXX. XXXX - XXXX XX/XX/XXXX Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Willful failure to conduct investigation despite proper identification - 15 U.S.C. 1681i ( a ) ( 5 ) : Complete failure to provide written investigation results- 15 U.S.C. 1681e ( b ) : Willful disregard for accuracy requirements- 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to promptly investigate despite proper consumer identification EXPERIAN INFORMATION SOLUTIONS INC. - TOTAL NON-COMPLIANCE Current Violation Status : COMPLETE FAILURE TO INVESTIGATE Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) Experian Response : XXXX INVESTIGATION CONDUCTED Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX - XXXX XXXX : {$61.00}, Closed XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Closed XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : {$74.00}, Closed XX/XX/XXXX XXXX. XXXX XXXX - High Balance : {$55.00}, Closed XX/XX/XXXX Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Willful failure to conduct investigation despite proper identification - 15 U.S.C. 1681i ( a ) ( 5 ) : Complete failure to provide written investigation results- 15 U.S.C. 1681e ( b ) : Willful disregard for accuracy requirements- 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to promptly investigate despite proper consumer identification TRANSUNION LLC - PARTIAL COMPLIANCE WITH CONTINUED VIOLATIONS Current Violation Status : INADEQUATE INVESTIGATION WITH CONTINUED VIOLATIONS Despite receiving : - Properly notarized dispute letter ( XX/XX/XXXX ) - Valid driver 's license copy - Valid Social Security card copy - Certified mail delivery confirmation - CFPB complaint notification ( XX/XX/XXXX ) TransUnion Response : PARTIAL INVESTIGATION - CONTINUED VIOLATIONS Positive Action Taken : - REMOVED : XXXX XXXX XXXXXXXX account ( proving disputes had merit ) Continued Violations : - STILL REPORTING : XXXX XXXX account with inaccurate information - FAILED TO PROVIDE : Documentation of verification method as required by 15 U.S.C. 1681i ( a ) ( 7 ) - IGNORED : Explicit rejection of automated verification systems Federal Law Violations : - 15 U.S.C. 1681i ( a ) : Inadequate investigation of remaining disputed account - 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide verification method documentation - 15 U.S.C. 1681e ( b ) : Continued reporting of inaccurate information despite proper identification CRITICAL LEGAL ISSUE - IDENTIFICATION REQUIREMENT VIOLATIONS Proper Identification Was Provided All three credit reporting agencies received complete and proper identification as required by federal law : 1. Valid Driver 's License Copy - Government-issued photo identification 2. Valid Social Security Card Copy - Official Social Security Administration document 3. Properly Notarized Dispute Letters - Legal verification of identity and signature 4. Certified Mail Delivery - Proof of receipt by agencies Legal Standard for Investigation Requirements Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies must conduct investigations when : - Consumer provides proper identification PROVIDED - Consumer disputes information in writing PROVIDED - Dispute is not frivolous or irrelevant PROVEN BY TRANSUNION 'S DELETION Willful Violations - No Excuse for Non-Compliance The agencies can not claim : - Insufficient identification - Driver 's license and Social Security card provided - Improper dispute format - Properly notarized letters sent via certified mail - Frivolous disputes - TransUnion 's deletion proves merit - Lack of notice - CFPB complaint provided additional notice EVIDENCE OF WILLFUL NONCOMPLIANCE Pattern of Systematic Violations XXXX. Complete Non-Response Despite Proper Documentation XXXX. Equifax : XXXX accounts disputed, XXXX investigations conducted XXXX. Experian : XXXX accounts disputed, XXXX investigations conducted XXXX. TransUnion : Partial compliance proving capability but willful selective noncompliance XXXX. Proof of XXXX XXXX. TransUnion 's deletion of XXXX account XXXX all disputes had legitimate basis XXXX. Makes Equifax and Experian 's complete non-response even more egregious XXXX. Demonstrates willful disregard rather than good faith disagreement 9. Regulatory Notice Ignored 10. CFPB complaint # XXXX provided additional regulatory notice XXXX. Agencies aware of federal oversight yet continue violations XXXX. Pattern of disregard for consumer protection enforcement XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ), willful noncompliance includes : - Reckless disregard for FCRA requirements- Complete non-response despite proper identification - Objectively unreasonable interpretation - No reasonable basis for ignoring proper disputes - Pattern of violations - Systematic non-compliance across multiple accounts and agencies HARM TO CONSUMER Ongoing Credit Damage 1. Credit Score Impact 2. Continued reporting of inaccurate closed accounts XXXX. Negative impact on credit utilization calculations XXXX. XXXX XXXX of credit scores 5. Access to Credit 6. Denial of credit applications due to inaccurate reporting 7. Higher interest rates on approved credit 8. Reduced credit limits and unfavorable terms 9. Financial Harm 10. Quantifiable higher borrowing costs 11. Lost opportunities for favorable financing 12. Additional costs for credit monitoring and repair efforts Constitutional Violations 1. Fifth Amendment Due Process 2. Denial of fair procedures for dispute resolution despite proper identification 3. Arbitrary and capricious agency conduct 4. Fourteenth Amendment Equal Protection 5. Discriminatory application of investigation standards 6. Unequal treatment compared to other consumers REQUESTED REGULATORY ACTION Immediate Relief Required 1. Mandatory Investigation Orders 2. Order Equifax to immediately investigate all 6 disputed accounts 3. Order Experian to immediately investigate all 4 disputed accounts 4. Order TransUnion to complete investigation of XXXX XXXX account XXXX. Compliance Monitoring 6. 15-day deadline for complete investigations 7. Required documentation of investigation methods 8. Mandatory reporting of corrective actions taken 9. Regulatory Penalties 10. Civil money penalties for willful FCRA violations 11. Enhanced oversight and monitoring of agency compliance 12. Public disclosure of systematic violations Consumer Protection Measures 1. Credit Report Corrections 2. Immediate removal of all inaccurate information 3. Correction letters to all creditors who received inaccurate reports 4. Updated credit reports provided at no cost 5. Damage Mitigation 6. Compensation for credit score damage and higher borrowing costs 7. Coverage of credit monitoring and repair expenses XXXX. Remedial measures for ongoing harm SUPPORTING DOCUMENTATION Evidence Provided : XXXX. XXXX notarized dispute letters ( XX/XX/XXXX ) XXXX. Certified mail delivery receipts XXXX. Driver 's license and Social Security card copies XXXX. Current credit reports showing continued inaccurate reporting XXXX. CFPB complaint # XXXX documentation XXXX. Evidence of TransUnion 's partial compliance ( XXXX deletion XXXX CONCLUSION This follow-up complaint demonstrates systematic and willful violations of the Fair Credit Reporting Act by all three major credit reporting agencies. Despite receiving proper identification documentation and legal notice through multiple channels, these agencies have : Equifax & Experian : Completely failed to conduct any investigations ( total noncompliance ) TransUnion : Conducted selective investigations proving capability but willful non-compliance The agencies ' conduct violates federal law, harms consumers, and undermines the integrity of the credit reporting system. Immediate regulatory intervention is required to ensure compliance with federal consumer protection law and prevent continued harm to consumers. 

TransUnion 's deletion of the XXXX account XXXX that all disputes had merit, making the complete non-response by Equifax and Experian inexcusable and demonstrating willful violations warranting maximum regulatory penalties.

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