Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
I am filing this complaint against TransUnion for their repeated failure to conduct a reasonable reinvestigation of disputed items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to investigate disputed information within 30 days of receiving a dispute from a consumer.

On XXXXXXXX XXXX XXXX I mailed a dispute letter to TransUnion requesting specific information on how they conduct verification of disputed items on my credit report, which is inaccurately reporting the following accounts : XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  : This account is reported inaccurately, and TransUnion has failed to provide details on their verification process or correct the errors. 
XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account is also reported inaccurately, with no evidence of proper verification provided by TransUnion. 
XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  : This account is reported inaccurately, and TransUnion has failed to provide details on their verification process or correct the errors. 
XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX : This account is also reported inaccurately, with no evidence of proper verification provided by TransUnion. 
XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  : This account is also reported inaccurately, with no evidence of proper verification provided by TransUnion. 
Bankruptcy Information : My credit report only includes a reference number, court name, and filing date for a bankruptcy, which is incomplete and inaccurate, lacking critical details required for a complete report. 
On XX/XX/year>, I received a response from TransUnion stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
This response is inadequate and does not comply with FCRA requirements, as my dispute letter was sent directly by me, the consumer, and included sufficient identifying information to verify my identity, a copy of my government ID, a copy of my SS card and proof of address. TransUnions refusal to process my dispute violates their obligation to conduct a reasonable reinvestigation under FCRA 1681i. 
On XX/XX/year>, I mailed a second dispute letter to TransUnion, reiterating my request for a proper investigation of the same disputed items. TransUnion failed to respond to this dispute within the 30-day period mandated by FCRA, constituting another violation of my consumer rights. Try to send another dispute letter on XX/XX/year> and by XX/XX/year> Transunion sent the same response as the previous one. 
In a final attempt to uphold my rights, I mailed a letter to TransUnion on XX/XX/year>, again demanding a proper investigation. Due to TransUnions repeated failure to comply with FCRA requirements, I am requesting that the disputed itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and the incomplete bankruptcy informationbe deleted from my credit report immediately. 
Impact of TransUnions Actions : TransUnions refusal to investigate and correct these inaccuracies has caused me significant harm, including potential damage to my creditworthiness, increased stress, and the inability to access fair credit opportunities. Their non-compliance with FCRA has directly undermined my ability to ensure the accuracy of my credit report. 
Supporting Documentation : Copy of my dispute letter dated XX/XX/year> TransUnions response dated XX/XX/year> Copy of my dispute letter dated XX/XX/year> Copy of my dispute letter dated XX/XX/year> TransUnions response dated XX/XX/year> Copy of my dispute letter dated XX/XX/year> Copy of my identification ( to verify my identity )

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