Consumer complaint received 2025-05-20 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: AK

Complaint narrative:
I am filing a complaint against Transunion for their failure to properly investigate and resolve disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below are the details of my issue : Initial Dispute : On XX/XX/year>, I mailed a dispute letter to Transunion via XXXX certified mail ( tracking number XXXX ). The letter requested an investigation into inaccurate information reported on my credit file, specifically regarding the account with : XXXX XXXX XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account XXXX : XXXX XXXX  XXXX XXXX XXXX, Account Number : XXXX XXXXXXXX XXXX, Account Number : XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX. 
This account is reporting derogatory remarks that are incorrect. I requested that Transunion remove these derogatory remarks, update the account to reflect positive reporting as per FCRA guidelines, and delete any incorrect personal information listed on my credit report. I included all necessary documentation to verify my identity, including a copy of my drivers license, Social Security card, and proof of address, as required. 
Transunions Response : On XX/XX/year>, Transunion responded, stating, " We have received your request concerning inaccurate information on your credit file. Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send us a copy of XXXX different items- XXXX from each of the listed. '' I was disappointed by this response, as the requested identity verification documents were already included in my initial dispute letter. 
Second Dispute Attempt : To comply with their request, I mailed another dispute letter on XX/XX/year>, again including the requested documents : a copy of my drivers license, Social Security card, and proof of address. I reiterated my request for Transunion to investigate and correct the inaccurate account information and remove any incorrect personal information from my credit report. 
Transunions Failure to Respond : As of XX/XX/year>, Transunion has not provided any response to my XX/XX/year>, dispute letter. This exceeds the XXXX investigation period mandated by the FCRA ( XXXX XXXX. XXXX ), during which Transunion is required to investigate and respond to consumer disputes. Their failure to act constitutes negligence and a violation of my rights under the FCRA.

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