Consumer complaint received 2025-09-05 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:
I am filing this complaint against all three major credit reporting agencies for systematic violations of the Fair Credit Reporting Act ( FCRA ) following their complete failure to properly investigate my notarized dispute letters dated XX/XX/XXXX. Despite receiving proper legal notice over XXXX  days ago, these agencies have either completely failed to respond or provided inadequate investigations that violate federal consumer protection law. 

DETAILED COMPLAINT NARRATIVE I. BACKGROUND AND TIMELINE On XX/XX/XXXX, I submitted properly notarized dispute letters to all three credit reporting agencies challenging the accuracy of multiple closed accounts on my credit reports. These disputes were sent via certified mail with proper legal notice and explicit rejection of automated verification systems. 

As of XX/XX/XXXX ( over XXXX  days later ), the credit reporting agencies have demonstrated systematic violations of federal law through their responses or lack thereof. 

XXXX. SYSTEMATIC FCRA VIOLATIONS BY AGENCY A. EQUIFAX INFORMATION SERVICES LLC - COMPLETE NON-COMPLIANCE Violation Type : Total failure to respond to consumer dispute Disputed Accounts ( All Still Reporting ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Federal Law Violations : 15 U.S.C. 1681i ( a ) : Complete failure to conduct any investigation within 30-day period 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to provide written results of investigation 15 U.S.C. 1681e ( b ) : Willful disregard for accuracy requirements 15 U.S.C. 1681s-2 : Failure to conduct reasonable investigation Evidence of Willful Violations : Received properly notarized dispute letter on XX/XX/XXXX Over XXXX  days have passed with XXXX response Six separate accounts disputed with complete non-compliance Pattern of regulatory violations given Equifax 's history of data breaches B. EXPERIAN INFORMATION SOLUTIONS INC. - COMPLETE NON-COMPLIANCE Violation Type : Total failure to respond to consumer dispute Disputed Accounts ( All Still Reporting ) : XXXX. XXXX XXXX - High Balance : {$61.00}, Closed XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Closed XX/XX/XXXX XXXX. XXXX XXXX - High Balance : {$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 ) : Complete failure to conduct any investigation within 30-day period 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to provide written results of investigation 15 U.S.C. 1681e ( b ) : Willful disregard for accuracy requirements 15 U.S.C. 1681s-2 : Failure to conduct reasonable investigation Evidence of Willful Violations : Received properly notarized dispute letter on XX/XX/XXXX Over XXXX  days have passed with XXXX response XXXX separate accounts disputed with complete non-compliance C. TRANSUNION LLC - INADEQUATE INVESTIGATION Violation Type : Partial compliance with continued violations Account Status : Removed : XXXX XXXX XXXX account XXXX proving disputes had merit ) Still Violating : XXXX XXXX account continues reporting with inaccurate information Federal Law Violations : 15 U.S.C. 1681i ( a ) : Inadequate investigation of XXXX XXXX account 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide verification method documentation 15 U.S.C. 1681e ( b ) : Continued reporting of inaccurate payment history ratings Automated System Violation : Use of prohibited automated systems despite explicit rejection Evidence of Violations : XXXX XXXX account still reporting inaccurate payment history ratings No documentation provided showing verification method Explicit rejection of automated systems ( E-Oscar ) ignored III. LEGAL FRAMEWORK AND CONTROLLING AUTHORITY A. Fair Credit Reporting Act Violations 15 U.S.C. 1681i ( a ) - Investigation Requirements : All three agencies have violated the mandatory 30-day investigation requirement, with Equifax and Experian showing complete non-compliance.

15 U.S.C. 1681i ( a ) ( 5 ) - Results Notification : Equifax and Experian have completely failed to provide any written results of investigation as required by federal law.

15 U.S.C. 1681i ( a ) ( 7 ) - Verification Method Disclosure : TransUnion has failed to provide documentation of their verification method for the disputed COMENITY BANK/AVENUE account.

15 U.S.C. 1681e ( b ) - Accuracy Requirements : All three agencies continue to report disputed information without proper verification, violating accuracy standards.

B. Willful Noncompliance Standard Under Safeco Insurance Co. v. Burr, 551 U.S. 47 ( 2007 ), willful noncompliance includes reckless disregard for FCRA requirements. The complete non-response by Equifax and Experian, and inadequate investigation by TransUnion, constitute willful violations warranting statutory damages. 

IV. EVIDENCE OF SYSTEMATIC VIOLATIONS A. Proper Legal Notice All dispute letters were properly notarized on XX/XX/XXXX Sent via certified mail to official dispute addresses Explicit rejection of automated verification systems included Over 60 days have passed since receipt B. Pattern of Non-Compliance Equifax : Complete failure to respond to six disputed accounts Experian : Complete failure to respond to four disputed accounts TransUnion : Partial compliance proving disputes had merit, but continued violations XXXX Evidence of Merit TransUnion 's removal of the XXXX account proves that my disputes had legitimate basis, making the complete non-response by Equifax and Experian even more egregious.

V. HARM TO CONSUMER A. Credit Score Impact The continued reporting of inaccurate information negatively impacts my credit scores and creditworthiness.

B. Access to Credit Inaccurate reporting affects my ability to obtain credit on favorable terms.

C. Constitutional Violations Fifth Amendment Due Process : Denial of fair procedures for dispute resolution Fourteenth Amendment Equal Protection : Discriminatory application of investigation standards

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