Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), including failure to properly reinvestigate a dispute, refusal to provide the legally required Method of Verification, and obstruction of my rights as a consumer. 

On XX/XX/year>, I contacted TransUnion by telephone and spoke with a representative named XXXX regarding XXXX XXXX XXXX. This call was in reference to a written dispute letter I submitted to TransUnion on XX/XX/year>. I received a postcard from TransUnion stating that my dispute would not be processed because they claimed it was not me, despite the fact that the dispute was properly submitted and identifiable. 

During my conversation with the representative, I requested that my XX/XX/year> dispute be processed as required by law. The representative then stated that the disputed XXXX XXXX account number XXXX and XXXX XXXX Bankruptcy had already been validated. I immediately requested written documentation of this alleged validation. 

Specifically, I requested that TransUnion provide : Written confirmation of the validation The name and title of the individual at XXXX  XXXX who allegedly verified the account The phone number, email address, or other method used to contact XXXX  XXXX The exact information relied upon to determine the account was accurate and belonged to me The representative explicitly refused to provide any of this information and stated that TransUnion can not send that information.

This refusal is a direct violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires TransUnion to provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed information, commonly referred to as the Method of Verification. TransUnion is legally required to disclose how the verification occurred and from whom the information was obtained.

By refusing to disclose this information, TransUnion has : Failed to conduct a lawful and reasonable reinvestigation Obstructed my statutory right to verification transparency Potentially fabricated or misrepresented the validation process Acted with reckless disregard for compliance under the FCRA I am requesting that the CFPB require TransUnion to : 1. Provide full written Method of Verification for the XXXX XXXX account 2. Identify the source, contact method, and individual relied upon for validation 3. Process my XX/XX/year> dispute as required by law XXXX. Delete the XXXX XXXX account if TransUnion can not fully substantiate its reporting with competent evidence 5. Conduct a compliance review into

TransUnions dispute handling practices and representative conduct If TransUnion can not produce the required documentation, the continued reporting of this account constitutes inaccurate and unverifiable reporting and must be deleted immediately.

I am submitting this complaint to preserve my rights and to document TransUnions failure to comply with federal law. I expect prompt regulatory intervention.

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