Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/year> Subject : Final Demand for Deletion Violation of FCRA 611 and XXXX XXXX Consumer Rights Account in Dispute : XXXX XXXX  Acct # XXXX Credit Bureaus Addressed : TransUnion, Equifax, Experian FORMAL NOTICE OF NONCOMPLIANCE AND DEMAND FOR PERMANENT DELETION To Whom It May Concern, This letter serves as formal notification that your agencies are now in violation of federal and XXXX XXXX state consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), as you failed to complete a proper investigation or respond within the XXXX legal timeframe regarding my dispute submitted on XX/XX/year> concerning the XXXX XXXX  tradeline XXXX Acct # XXXX ). 

According to documentation from the Consumer Financial Protection Bureau ( CFPB ), all three credit reporting agencies TransUnion, Equifax, and Experian received my dispute on XX/XX/year> and acknowledged that the issue was under review. As of today, XX/XX/year>, it has been more than XXXX calendar days ( XXXX ) since receipt, and no lawful reinvestigation results, verification materials, or responses have been sent to me as required by law. 

This account is still being reported, but the company failed to respond through the CFPB dispute portal within the XXXX time frame. Any updates or mailed communication outside of the CFPB system do not meet the legal requirements of FCRA 611 ( a ) ( 1 ) ( A ). The account is now legally unverifiable and must be deleted immediately from all three credit bureaus under FCRA 611 ( a ) ( 5 ). Any further modification of this tradeline now constitutes willful noncompliance. 

When you submit a dispute through XXXX, it becomes part of a federal record of your complaint. The company is legally obligated to : Respond to the consumer and the CFPB within XXXX calendar days of receiving the complaint. 
If they fail to respond inside the CFPB portal even if they update the account on the credit report, mail a letter, or reply via another channel ( phone, email, etc. ) that is not sufficient under CFPB protocol or FCRA procedure. 

LEGAL BASIS FOR IMMEDIATE DELETION Under FCRA 611 ( a ) ( 1 ) ( A ), a credit reporting agency has XXXX  days from the date of receipt of a consumer dispute to investigate, verify, and respond. If no proper reinvestigation or documentary proof is provided within that window : The information shall be deleted from the file of the consumer. 
Additionally, under FCRA 611 ( a ) ( 5 ) ( A ) : If an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer This statutory language is non-negotiable and time-bound. You have now exceeded the legal timeframe, and the XXXX XXXX  account is considered legally unverifiable. 

Therefore : You may not continue to report, verify, or update this account You may not reinsert or modify this tradeline without following full FCRA 611 ( a ) ( 5 ) ( B ) requirements, including written notice to the consumer within XXXX business days, and certification of accuracy by the furnisher You may not " cure '' the violation retroactively by updating or verifying the account post-deadline This account must now be deleted from all three of your files permanently. 

XXXX XXXX STATE CONSUMER LAW As a resident of the state of XXXX XXXX, I am protected under both federal and state consumer protection laws. Under the XXXX XXXX Fair Credit Reporting Act ( N.J.S.A. 56:11-33 et seq. ), consumer reporting agencies are required to maintain procedures that ensure the maximum possible accuracy of credit information and to correct or delete any information that is found to be incomplete, inaccurate, or unverifiable. 

Failure to conduct or complete an investigation within the time period allowed constitutes a violation of XXXX XXXX state law and subjects your agency to additional state-level enforcement and penalties. 

You are now further exposed to statutory and actual damages, including possible penalties and sanctions under FCRA 616617 for willful or negligent noncompliance. 

DEMAND FOR ESCALATION & IMMEDIATE DELETION Due to your failure to comply with the law, I am now demanding the permanent deletion of the XXXX XXXX  tradeline ( Acct # XXXX ) from : TransUnion Equifax Experian This deletion must be performed immediately, with no further delay or verification attempts permitted. You are now prohibited from modifying, updating, or continuing to report this account in any capacity. 

REQUIRED RESPONSE Please provide me with written confirmation of : -Deletion of this account from all reporting files -Acknowledgment that the investigation period exceeded XXXX  days XXXXA copy of my updated credit file, reflecting deletion of the account Failure to comply will result in the following : -A formal complaint to the Federal Trade Commission ( FTC ) -Notification to the XXXX XXXX Division of Consumer Affairs XXXXInitiation of civil legal action for damages under FCRA 616617 I am requesting a final written response within XXXX calendar days of the date of this letter. I reserve all legal rights in accordance with federal and state consumer laws. Thank you for your immediate compliance. 

Note : Attached is a highlighted screenshot from the CFPB complaint portal showing the dates the disputes were submitted and received by each credit bureau, clearly exceeding the XXXXday investigation timeframe under FCRA. 
Also attached are my passport and a recent bank statement for identity and address verification. 

Sincerely, XXXX XXXX XXXX

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