Consumer complaint received 2024-12-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Phone : XXXX [ Date ] TransUnion Dispute Resolution Team XXXX XXXX XXXX  XXXX, PA XXXX Subject : Formal Demand for Immediate Resolution of Inability to Locate Credit Report Dear TransUnion Dispute Resolution Team, Your notification claiming you were " unable to locate a credit report '' for me is wholly unacceptable and indicative of a failure in your obligations under the Fair Credit Reporting Act ( FCRA ). My previous submissions contained all the necessary identifying information, and this inadequate response suggests either negligence or a deliberate attempt to avoid your obligations under the FCRA. 

To eliminate any further excuses, I am re-submitting my information and supporting documentation. Below are my details : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : XXXX Report Number : XXXX I have also included : A copy of my government-issued photo ID Proof of address ( utility bill or bank statement ) Your inability to locate my credit file raises serious questions about the integrity of your operations and compliance with FCRA requirements ( 1681i ). It is your legal obligation to : Ensure the accessibility of my credit file.

Conduct a proper reinvestigation of disputed information.

Provide timely and accurate responses to consumer disputes.

Let me be absolutely clear : I am demanding immediate action. You must locate my credit report, fully reinvestigate the disputed items, and provide written confirmation of resolution within 15 days of receiving this letter. Should you fail to comply, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Pennsylvania Attorney Generals Office. 
Pursue all legal remedies available under the FCRA, including seeking damages for your failure to uphold federal and state consumer protection laws. 
Notify federal oversight authorities to audit your compliance practices. 
I expect written confirmation by the 15-day deadline that this issue has been resolved, including : Proof that you have located my credit report. 
A complete explanation of your investigation findings and any actions taken to delete inaccurate information. 
An acknowledgment of your responsibility for this delay and corrective measures to ensure such failures do not occur again. 
This is your final opportunity to resolve this matter before I take further action. I will not accept further delays, vague responses, or evasion of your legal obligations. 

Sincerely, XXXX XXXX Enclosures : Copy of Government-issued ID Proof of Address

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