Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX TO : TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Failure to Respond Within 30 Days / Failure to Provide Method of Verification Account Name : XXXX Partial Account Numbers : XXXX & XXXX Original Creditor : XXXX XXXX XXXX  To Whom It May Concern, On XX/XX/XXXX, I submitted a formal written dispute regarding the above-referenced account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. You received my dispute as follows : TransUnion : Received on XX/XX/XXXX Experian : Received on XX/XX/XXXX As of XX/XX/XXXX, both TransUnion and Experian have failed to respond within the 30-day statutory period required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

The law is clear : A consumer reporting agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Because the 30-day timeframe has expired, you are now in violation of the FCRA, and this account must be deleted. The law does not allow you to update or fix an account after the deadline the only permissible action at this point is removal.

Additionally, in my original dispute, I specifically requested that if this account was verified as accurate, you must provide a complete and detailed Method of Verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Neither TransUnion nor Experian has provided this MOV, constituting an additional FCRA violation. If you now choose to verify this account, I again demand the full MOV within 15 days of verification not 30 days. 

It is important to note that Equifax has already deleted this same account from my credit report following my XX/XX/XXXX dispute, which further demonstrates that the account data is inaccurate or unverifiable. 

Regarding CFPB Complaints : Any dispute filed through the Consumer Financial Protection Bureau ( CFPB ) is governed under the same provisions of the FCRA as a direct dispute. Under 15 U.S.C. 1681i ( a ), there is no legal distinction between a dispute initiated through the CFPB and one sent directly to a CRA. Therefore, CFPB-facilitated disputes must be treated with the same urgency, thoroughness, and legal compliance.

Supporting Case Law : Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. XXXX ) : CRAs must perform more than a superficial review ; they are required to conduct an independent and reasonable investigation when discrepancies are evident.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. XXXX ) : Failure to correct inaccurate information after notice constitutes willful noncompliance under the FCRA. 

Action Required : Immediate deletion of this account from my TransUnion and Experian credit reports.

If you verify the account, provide the complete and detailed Method of Verification within 15 days of verification. 

Cease any further reporting of this account to any credit bureau. 

Failure to comply will result in a formal complaint to the CFPB and consideration of legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

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 explanation