Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
SUBJECT : URGENT COMPLAINT : FLAGRANT FAILURE TO MEET FCRA XXXX REINVESTIGATION DEADLINE AND SYSTEMIC PROCEDURAL VIOLATIONS MULTIPLE DISPUTED ACCOUNTS RELATED CFPB COMPLAINTS ( Pattern of Non-Compliance ) : XXXX ( Invalid XXXX extension attempt & incorrect receipt date ) XXXX ( Score Suppression : Disparate impact for paid derogatory accounts ) XXXX ( Attempt to initiate new XXXX window via demand letter ) On XX/XX/XXXX, I sent XXXX disputed items to TransUnion via USPS Certified Mail. One of them was delivered XX/XX/XXXX while the other three were delivered XX/XX/XXXX ( see attached Certified Mail receipts as well as USPS delivery confirmation for each item ). These disputes were for XXXX XXXX, XXXX, XXXX  XXXX  and XXXX XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally mandated to complete a reasonable reinvestigation of these disputes and provide me with the results within 30 days of receipt [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and ( a ) ( 6 ) ( A ) ]. Therefore, the absolute deadline for these disputes to be resolved was Monday, XX/XX/XXXX. As of Monday, XX/XX/XXXX at XXXX XXXX, TransUnion has categorically failed to meet this critical FCRA deadline. 

This failure is not merely a delay ; it is part of a premeditated pattern of systemic non-compliance and gross procedural mismanagement that has actively obstructed my ability to access accurate information and understand my credit report status : Repeated Disregard for Correct Timelines : Despite my explicit demand letter on XX/XX/XXXX, clearly outlining the correct dispute receipt dates and FCRA deadlines, TransUnion attempted to unilaterally impose an unauthorized new XXXX window from XX/XX/XXXX ( CFPB ID XXXX ), extending their supposed deadline to XX/XX/XXXX. This, along with a prior invalid XXXX extension attempt ( CFPB ID XXXX ), demonstrates a willful disregard for FCRA mandates. 

Intentional Obfuscation and Lack of Transparency : For the past XXXX hours leading up to this deadline, TransUnion completely blacked out online access to my credit report and all dispute statuses, preventing me from monitoring their compliance. While partial access has since been restored, the TransUnion dispute center ( see attached ) still displays a fabricated dispute initiation date of XX/XX/XXXX, and an erroneous completion date of XX/XX/XXXX. This is a deliberate misrepresentation of the dispute timeline. 

There is no clear indication or written notification of any resolution for any of my XXXX XXXX XXXX disputes, either online or via mail, directly violating FCRA requirements for providing resu

lts [ 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ]. Context of Broader Data Integrity Cascade : This egregious failure occurs while I have received overwhelming external, independent confirmation that TransUnion is performing a comprehensive data cleanup on my profile : I r
eceived a " We call that a comeback '' email from XXXX XXXX and positive alerts from XXXX XXXX XXXX, suggesting major positive changes. 

I have received multiple emails from XXXX party platforms like XXXX, XXXX XXXX, XXXX and even TransUnion 's own monitoring service. These emails indicate positive developments ( " catching up '', " new on-time payments '' or " account is now current '' while also acting like older derogatory items are new or suddenly turned negative. ). Trying to figure out what the status is or what is really happening is impossible, especially absent any direction communication to the CRA as to resolution Most compellingly, both I and my spouse received an unsolicited email from XXXX confirming an " information suppression program '' initiated for my data This " multi-system data integrity cascade '' is direct evidence that a major CRA ( TransUnion, due to timing and context ) is undertaking a broad data wipe to contain liability.

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