Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this formal complaint against TransUnion for refusing to conduct a reinvestigation of inaccurate and unauthorized information on my credit report, despite my compliance with the documentation requirements under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. 

On XX/XX/XXXX, I mailed a detailed dispute letter to TransUnion, disputing inaccurate negative accounts, unauthorized inquiries, and incorrect personal information reflected in my credit report. I enclosed the required documents, including valid proof of identity, as outlined by the FCRA and by XXXX own identity verification requirements. 

Despite my full compliance, TransUnion failed to respond to my dispute and did not conduct an investigation, as mandated by the FCRA. 

To resolve the issue, I sent a second dispute letter on XX/XX/XXXX, once again including my identification documents and clearly outlining the disputed items. Instead of conducting a reinvestigation, TransUnion responded with a letter dated XX/XX/XXXX, claiming : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response is factually incorrect, as the dispute was sent directly by me, and the necessary identity documentation was attached both times. XXXX refusal to investigate, despite my good faith efforts and legal compliance, is a direct violation of my rights under FCRA XXXX. 
Disputed Items : XXXX. Inaccurate Account Reporting XXXX XXXX This account is inaccurately reported as derogatory. The account shows a " Current '' payment status, but the negative notation and inaccurate payment history contradict that. This violates FCRA XXXX ( a ) ( XXXX ), which requires furnishers to report only accurate information. I demand immediate removal or correction to reflect accurate, positive status. 

XXXX XXXX XXXX This is a collection account that lacks validation. Under the FDCPA, no notice or documentation of the debt has been provided by the original creditor or collection agency. Additionally, under FCRA, this item fails the accuracy and verifiability requirements. I request full deletion of this account. 

XXXX. Unauthorized Inquiries The following inquiries were not authorized by me and must be removed : XXXX XXXX XX/XX/XXXX XXXX  CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX These entries are inaccurate and represent inquiries made without my consent, violating FCRA XXXX ( Permissible Purpose ). 

XXXX. Incorrect Personal Information These addresses are inaccurate and must be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX AV, XXXX, IN XXXX They are not associated with me and their presence may result in misidentification and further credit inaccuracies.

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