Consumer complaint received 2025-11-24 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:
FCRA DISPUTE RESPONSE DEMAND FOR PROPER REINVESTIGATION & METHOD OF VERIFICATION To : XXXX XXXX XXXX XXXX XXXX. 

This letter responds to your recent CFPB portal statement claiming that you verified the disputed items on my XXXX credit report. Your response does not satisfy the requirements set forth by the Fair Credit Reporting Act ( FCRA ). I dispute your findings for the following legal reasons : 1. XXXX Did NOT Conduct a Reasonable Reinvestigation FCRA XXXX11 ( a ) ( 1 ) ( A ) Reasonable reinvestigation standard You stated that you sent my dispute to the furnisher and accepted their verification.

However, courts have ruled that : A consumer reporting agency can not simply rely on the furnisher 's own verification. 
XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Both CRAs and furnishers must perform an independent, reasonable investigation. 
XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Your letter shows no evidence of : reviewing the documentation I submitted, checking for internal inconsistencies, requesting source/original documents, confirming identity and data accuracy, or comparing the furnisher 's data with your own reporting. 

Merely forwarding an automated ACDV and accepting the response is not legally sufficient. 

XXXX. XXXX Failed to Provide the Required Method of Verification ( MOV ) FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ) The law requires that, on request, a CRA must provide : The method of verification, The business name, address, and telephone number of the furnisher, and The detailed description of steps taken during the reinvestigation. 

Your response only repeated generic dispute-process language and did not supply : the actual method of verification, which documents were used, the identity of the person who verified the information, or any evidence supporting the continued reporting. 

I formally request, under 611 ( a ) ( 7 ) : FULL METHOD OF VERIFICATION ( MOV ) Provide within 15 days : The complete procedure used to verify the disputed item ( s ), The original documentation furnished to you, The name and direct contact of the furnisher employee who verified the information, Whether XXXX obtained any original contracts, applications, or account-level documentation. 

If XXXX can not provide this documentation, you must delete the disputed item ( s ) immediately under 611 ( a ) ( 5 ) ( A ). 

3. XXXX  Failed to Address or Correct Known Inaccuracies The FCRA requires XXXX to delete or correct any item that is : inaccurate, incomplete, or can not be verified. 

Your response did not address : inconsistencies previously identified, missing data, inaccurate dates, contradictory reporting, or any updated information from furnishers. 

If XXXX  made modifications to the account but still claims it is accurate, this itself indicates the information was inaccurate before, and a deletion may be required under 611 ( a ) ( 5 ) ( A ).

4. Accurate Information Can not Be Deleted Is Misleading & Not Supported by FCRA Language Your letter states that accurate information can not be deleted. 
However, the FCRA explicitly requires deletion of any item that : can not be verified, is incomplete, or is inaccurate. 

Accuracy alone is not the standard the information must also be verifiable and complete, which your investigation failed to demonstrate. 

5. XXXX Did Not Provide Evidence Supporting Its Determination You did not provide : any documents received from furnishers, any screenshots, any copies of the information relied upon, or any proof supporting your claim of verification. 

Under FCRA 609 ( a ) ( 1 ), I have the right to see all information in my file, including what you used to verify the disputed items.

Provide this documentation immediately.

6. Formal Demand for Deletion Under FCRA 611 ( a ) ( 5 ) Because XXXX has not met its statutory duties and failed to properly verify the disputed information, I am demanding the following : XXXX Must : Delete the disputed item ( s ) from my credit file, Provide a corrected credit report, Send updated corrections to all parties who obtained my report in the prior 6 months ( or 2 years for employment ), Provide the full method of verification, Provide all documentation used to verify the items. 

Failure to comply will result in : an additional CFPB complaint, a formal request for enforcement, and potential legal action for willful and negligent noncompliance under FCRA 616617.

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 explanation