Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
This letter responds to the correspondence issued by TransUnion on XX/XX/year>, under File Numbers XXXX and XXXX. These letters were issued without any reference to the specific Consumer Financial Protection Bureau ( CFPB ) complaints I have filed, despite numerous active complaints regarding inaccurate and harmful information appearing on my TransUnion credit report. 

This practice appears to be a deliberate tactic to delay the investigation process, avoid accountability, and circumvent the formal regulatory complaint system. It is unacceptable for TransUnion to fail to acknowledge, track, or respond to the specific issues raised in my complaints. I have provided detailed dispute information in every CFPB complaint Ive submitted. 

Below is a list of the active complaints involving TransUnion, all of which remain unresolved and are awaiting a company response : Filed CFPB Complaints Against TransUnion : XXXX ( Submitted XX/XX/year> ) : Incorrect information on my report XXXX ( Submitted XX/XX/year> ) : Problem with TransUnions investigation into existing dispute XXXX ( Submitted XX/XX/year> ) : Problem with companys investigation into an existing problem XXXX ( Submitted XX/XX/year> ) : Incorrect information on credit report XXXX ( Submitted XX/XX/year> ) : Ongoing credit reporting inaccuracies XXXX ( Submitted XX/XX/year> ) : Mishandling of dispute reinvestigation process XXXX ( Submitted XX/XX/year> ) : Failure to correct inaccurate tradeline XXXX ( Submitted XX/XX/year> ) : Inaccurate reporting after account resolution XXXX ( Submitted XX/XX/year> ) : Refusal to provide method of verification, conflicting reporting XXXX ( Submitted XX/XX/year> ) : Misreporting of account status, balance, and history Despite these ongoing complaints, TransUnion has now issued generic letters stating that my requests were unclear or procedural without identifying which dispute or which complaint is being referenced. That is not an adequate or compliant response under the Fair Credit Reporting Act ( FCRA ). 

Formal Requests : 1. Identify which of the above CFPB complaints the XX/XX/XXXX letters relate to. 
2. Reopen and properly reinvestigate the disputes associated with these complaints, using the full details already provided to you.

3. Provide a full response via the CFPB complaint portal, including account-specific findings and the method of verification.

4. Cease the use of vague letters outside the formal regulatory system and respond through the proper legal channels. 

Your continued failure to process valid consumer disputes and provide full, timely, and traceable responses as required by FCRA 611 is being documented. I am also preparing to escalate these issues to the FTC and state regulatory authorities should this pattern of noncompliance continue.

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