Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for failure to maintain records of prior disputes, failure to conduct a reasonable reinvestigation, and mishandling of mailed dispute documentation, in violation of the Fair Credit Reporting Act ( FCRA ) and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 

On XX/XX/year>, I submitted disputes to TransUnion regarding the following credit report entries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXt Due to an issue with TransUnions online dispute system being unavailable, I was instructed by a representative to mail in my supporting documentation. On that same day, I hand-delivered two separate envelopes to USPSeach containing detailed, high-quality, legible supporting documentation related to the respective disputes. 

Facts Supporting This Complaint : The dispute for XXXX XXXX XXXX was discussed with a TransUnion agent by phone on XX/XX/XXXX or XX/XX/year>, and confirmed as submitted. 

On XX/XX/year>, I followed up with a TransUnion supervisor who confirmed that my documentation was received and both disputes were being processed. 

However, on XX/XX/year>, a TransUnion representative claimed that the agency never received my documentation for the XXXX XXXX XXXX dispute, only for XXXX and an unrelated tradeline. 

The representative also refused to confirm whether the dispute for XXXX was ever submitted by phone and refused to check call records from XX/XX/XXXX or XX/XX/XXXX. 

Despite the fact that both disputes were mailed at the same time and place, TransUnion inexplicably claims to have received only one. 

Furthermore, the representative became uncooperative, refused to confirm the legibility of the received documents, claimed both responses were mailed to me, and eventually hung up on me without resolution. 

When I asked to review records from my previous calls, TransUnion refused to provide any confirmation or review of their internal records. 

ON XX/XX/year>, on a recorded line, a Transunion supervisor affirmed a blantant misstatement of law -- He advised me that TransUnion has no legal duty to investigate disputes, only to submit them to the furnisher, and that Transunion has no legal obligation to reinvestigate based on evidence provided by consumer and furnisher. When I notified the supervisor that this was not true and that they must review my documents independently as well and make a determination based on federal law, the supervisor disconnected the call.

Legal Violations : TransUnions conduct violates multiple provisions of federal and state consumer protection laws, including : 1. FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : When a consumer disputes the completeness or accuracy of any item in a credit file and provides evidence, the consumer reporting agency is obligated to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

TransUnions failure to investigate the XXXX XXXX XXXX disputedespite having documentation submitted by mail and a record of verbal confirmationdemonstrates a clear failure to meet this obligation. 

2. FCRA 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) : Upon receiving notice of a dispute, the CRA must promptly provide the furnishing party all relevant information regarding the dispute.

If TransUnion failed to retain or pass along my mailed evidence, it obstructed this legally mandated process. Their systems failure to track or acknowledge receipt of physical dispute documentation is unacceptable.

3. FCRA 15 U.S. Code 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports.

TransUnions refusal to confirm receipt or condition of submitted materials, and their apparent failure to document my verbal dispute, is not consistent with reasonable procedures.

4. Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Fla. Stat. 501.204 : Prohibits unfair, unconscionable, or deceptive acts or practices in the conduct of any trade or commerce.

TransUnion misled me into believing my disputes were being investigated, failed to retain and track communications and mailings, and obstructed my efforts to correct potentially inaccurate credit reportingan unfair and deceptive business practice under Florida law.

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