Consumer complaint received 2025-06-29 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:
TRANS UNIONDue to the recent class Action lawsuit filed against TransUnion on XX/XX/XXXX. I insist you conduct an investigation as you are required by the FCRA Law. Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. You have failed tremendously not taking my letters and documents information seriously. I have been trying to solve this issue for a year now you have not shown me any documents in how you investigated the items in questioned. I have prove to you all violations in my consumer credit report. I have now been in the position in taking further legal steps locally at my county courthouse if there is no cooperation within the 30 days. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY This is a clear violation of the FCRA as this is not accurate or complete. I am writing to formally dispute the account listed by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my records after receiving an updated report from TransUnion. Problem with the company 's investigation into an existing problem not verified correctly. 
According to the records I the consumer has disputed and has disagreed for some time now and nothing has been done to correct the matter.

I provided a brief explanation of why I believe the debt is incorrect some reasons include : The amount was paid in full/never a charge off. I own the pink slip. all three credit bureaus are reporting different information. payments are showing unknown/never late so how could it be a charge off. account status derogatory and paid.

The account is beyond the statute of limitations ( 9yrs ) TransUnion are extending the years. account closed showing different dates. last payment made shows different dates. not showing all the years paid since XXXX. The results have not been resolved to be accurate. I can't believe that I'm still pointing out the same issues and it has not been updated to be accurate, fair and complete. This is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate reports. I am deeply concerned that my dispute may be mishandled in a similar manner. Please review the inaccurate information and violations being reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with appropriate agencies. Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 
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 non-monetary relief