Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Notice of Dispute Immediate Removal of Unverified Information This letter serves as a final formal notice of dispute regarding information on the credit report related to the account with XXXXXXXX XXXX 

There is reason to believe this information was placed on the account by TRANSUNION without first giving the opportunity to challenge and dispute the alleged debt directly with the furnisher of the information, a process required under the Fair Credit Reporting Act ( FCRA ) according to the Consumer Financial Protection Bureau.

The Fair Credit Reporting Act ( FCRA ) requires that a Credit Reporting Agency ( CRA ) follow reasonable procedures to ensure the maximum possible accuracy of information in a credit file. Also, a furnisher of information may not provide information to a CRA if they know or have reasonable cause to believe the information is inaccurate.

The following is requested : Explanation of Verification Process : A detailed explanation of the steps taken to ensure the accuracy and completeness of the information related to the aforementioned account before allowing it to be placed on the credit report.

Documentation of Accuracy : Copies of any documents, records, or other proof used as reference or relied upon to validate the accuracy of the information provided by the alleged creditor, XXXX XXXX concerning this account. 

Documentation that demonstrates prior notification or attempts to notify of the alleged debt and provide the opportunity to dispute it before it was placed on the credit report is specifically requested. 

Removal of Unverified Information : If it is determined that the agency failed to fully verify the validity of the claim or failed to ensure the opportunity to challenge and dispute the alleged debt with the furnisher before allowing this information on the credit report, the item must be immediately removed from the credit file. 

If this information can not be fully verified, or if it was placed on the report without affording the legal right to dispute it first, its presence on the credit report is a violation of rights under the FCRA. Failure to follow reasonable procedures to ensure the maximum possible accuracy of the consumer 's information contained in their credit file is a violation of FCRA.

This action raises concerns regarding compliance with applicable consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ).

The Fair Credit Reporting Act ( FCRA ) specifically outlines " permissible purposes '' for which a consumer reporting agency ( or, by extension, an entity handling or reporting credit information ) may furnish or obtain a consumer report.

A response to this dispute is expected within 30 days, as stipulated by the FCRA. Failure to comply will be considered evidence of failing to uphold obligations under the FCRA and may result in further action.

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