Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX RE : Complaint Against TransUnion for Improper Dispute Processing Dear CFPB, I am filing this complaint against TransUnion for failing to properly process my credit dispute in accordance with federal and state laws. On XX/XX/XXXX, I submitted a dispute via their website regarding inaccuracies on my credit report, including 4 accounts previously verified by them without details and 5 unauthorized hard inquiries. However, as soon as I submitted the dispute, I received a notification that the results were completed and that they would be mailed to me, all within the same minute. The dispute doesnt show under the Active Disputes or Update Requests section of the Dispute page. This suggests that TransUnion did not conduct a proper investigation as required by law. CFPB, on XX/XX/XXXX, published a current lawsuit against XXXX for this exact type of misbehavior. 
Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], TransUnion is obligated to investigate disputes thoroughly and provide evidence of verification if the disputed information is deemed accurate. Additionally, the Texas Finance Code Chapter 392 requires credit reporting agencies to validate the information reported and provide specific details upon request. Despite my efforts to follow up, TransUnion has failed to : 1. Validate any of the disputed information.

2. Provide documentation or an explanation of their verification process.

3. Identify the entities they contacted for verification.

I also called TransUnion to address the five unauthorized hard inquiries, but I was given the runaround and had to resolve this matter on my own without any meaningful assistance. This lack of compliance and transparency is a violation of my rights under the FCRA and Texas Finance Code and has caused undue stress and frustration.

I request that the CFPB investigate TransUnion for failing to adhere to the following : FCRA [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] requiring a reasonable reinvestigation of disputes.

FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] requiring deletion of unverifiable information.

Texas Finance Code Chapter 392, Section 392.202, requiring validation of disputed information.

I further request the removal of the 4 accounts and the 5 unauthorized hard inquiries and all other unverifiable information from my credit report. I appreciate your attention to this matter and look forward to your assistance in ensuring that TransUnion complies with its legal obligations.

Accounts sent back verified without process of verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hard Inquiries unauthorized on credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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