Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN ( last 4 ) : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX CC : experian Equifax, XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion, XXXX. XXXX XXXX, XXXX, PA XXXX RE : IMMEDIATE RESPONSE REQUIRED FCRA VIOLATION IN PROGRESS Dispute Filed XX/XX/XXXX via CFPB Complaint Portal Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal notice of non-compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) regarding the reinvestigation of the accounts I disputed on May 24, 2025. Your interim response indicating a 60-day review timeline is factually incorrect and legally unacceptable.

Legal Obligation Under the FCRA : Per FCRA 611 ( a ) ( 1 ) ( A ) : A consumer reporting agency shall, free of charge, 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 from the file ... 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...

Only under limited conditions ( such as receiving supplemental documentation during the review ) does the timeline extend by no more than 15 days, per 611 ( a ) ( 1 ) ( B ). At no point does the FCRA allow 60 days for reinvestigation. Your current response violates these federal timelines.

You Are Now in Violation As of today, over 25 days have passed since you received my dispute. Your attempt to extend the response to 60 days is a clear violation of FCRA 611, and my rights as a consumer have been willfully disregarded. You have also failed to provide proof of verification from the original creditors or collectors, which is required under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 3 ) ( B ).

If the inaccurate, unverifiable accounts are not deleted within 5 business days, I will take the following actions : File additional complaints with the CFPB, FTC, and Texas Attorney Generals Office ; Initiate a civil suit under FCRA 616 & 617 for statutory damages ( {$1000.00} per violation ), punitive damages for willful noncompliance, and attorneys fees ; Notify the Office of the Inspector General ( OIG ) of systemic FCRA violations by your agency. 

This is your final opportunity to comply with federal law and correct my credit file. I am not requesting goodwill or opinionI am demanding compliance with black-letter law. 

Requested Actions : Immediate deletion of all inaccurate, unverifiable accounts.

Written confirmation within 5 business days.

Do not reinstate any deleted information unless full legal procedures under 611 ( a ) ( 5 ) ( B ) are followed. 

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