Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
CFPB Complaint Narrative TransUnion LLC Company : TransUnion LLC Issue : Credit reporting / Failure to investigate dispute Date ( s ) : XX/XX/year> Complaint On XX/XX/year>, I submitted multiple written disputes to TransUnion LLC disputing materially inaccurate and internally inconsistent tradelines appearing on my TransUnion consumer credit report dated XX/XX/year>. These disputes were sent directly by me, signed by me, and properly addressed to TransUnions designated dispute address. Each dispute requested reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and included formal requests for the Method of Verification under 1681i ( a ) ( 7 ). 

Instead of conducting any reinvestigation, TransUnion mailed me a postcard dated XX/XX/year> stating that TransUnion did not process a request involving my credit information because it didnt appear to come from you or someone youve authorized. TransUnion asserted that it only processes requests submitted directly by the consumer or an officially authorized third party, and took no investigative action whatsoever. 

XXXX refusal is unlawful. 

The FCRA does not permit a consumer reporting agency to disregard or refuse a written dispute sent directly by the consumer based on speculation about authorization or submission method. FCRA 1681i ( a ) ( 1 ) requires a reinvestigation when a consumer notifies the agency of a dispute. My disputes were sent directly by me, were signed, and contained sufficient information to identify the accounts and the basis of dispute. TransUnion has provided no factual basis for claiming otherwise. 

By refusing to reinvestigate, TransUnion failed to comply with its statutory obligations, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) failure to conduct a reasonable reinvestigation after notice of dispute 15 U.S.C. 1681i ( a ) ( 7 ) failure to provide Method of Verification disclosures 15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy TransUnions conduct appears systemic and intentional. The refusal postcard suggests TransUnion is imposing extra-statutory requirements on consumers and using form responses to avoid lawful disputes, rather than investigating the accuracy of reported information.

As a result of TransUnions refusal, inaccurate and misleading tradelines remain published on my credit report, causing ongoing harm.

Requested Resolution I am requesting that the CFPB require TransUnion to : 1. Acknowledge receipt of my XX/XX/year> written disputes 2. Conduct a full reinvestigation of each disputed tradeline as required by FCRA 1681i 3. Provide complete Method of Verification disclosures under 1681i ( a ) ( 7 ), including the entities contacted, the manner of verification, and documentation relied upon 4. Correct or delete any information that can not be verified as accurate, complete, and legally reportable This complaint preserves all rights and remedies available under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

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