Consumer complaint received 2024-12-24 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: MO

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion regarding inaccuracies on my credit report. I included all required documents to verify my identity and support my claims, including a copy of my Social Security card, government-issued ID, proof of address, proof of phone bill, proof of statement, and multiple licenses. 

The tracking information confirms that my dispute was delivered, but as of today ( 23 days later ), no investigation has been initiated. When I contacted TransUnion for an update, I was informed that while my dispute letter is on file, no formal investigation was created. I was told to resubmit my dispute, despite having provided all necessary documentation in my original submission. 

This delay has caused inconvenience and frustration, especially since I am a college student relying on timely resolution of this matter. Under the Fair Credit Reporting Act ( FCRA ), disputes must be investigated and resolved within 30 days, and this delay violates that requirement. 

I am seeking immediate action to initiate and resolve my original dispute, a written explanation for the failure to process it, and assurances that this issue will not happen again. 
Complaint Regarding Failure to Initiate Dispute Investigation by TransUnion I am filing this complaint regarding TransUnions failure to process a dispute I submitted on XX/XX/year>, in violation of the Fair Credit Reporting Act ( FCRA ). Despite providing all required documents and supporting evidence with my initial dispute letter, no investigation was initiated, and I have experienced significant delays. 

Details On XX/XX/year>, I mailed a dispute letter to TransUnion, requesting an investigation into specific inaccuracies on my credit report. To support my dispute, I included : A copy of my Social Security Card.

A government-issued ID card.

Proof of address ( utility bill or lease agreement ).

Proof of phone bill.

Proof of statement.

Three HVAC licenses, OSHA license, and electrical license. 
My dispute letter explicitly requested that proof of verification for the disputed items be provided within 30 days, as mandated by the FCRA. The tracking number for my mailed dispute is XXXX, and the documents were delivered successfully. 

As of today, 23 days later, I have not received confirmation that the investigation was initiated. 

Upon contacting TransUnion by phone, I was informed that my dispute letter is on file, but that a formal dispute investigation was never created. I was advised to resubmit the dispute and supporting documents, despite my original submission being complete and compliant with their requirements. 

This failure to act has caused significant delays and inconvenience, particularly as I am currently a college student and rely on the timely resolution of this issue to address inaccuracies on my credit report. The delay has hindered my ability to plan effectively and meet financial needs associated with my studies and personal obligations. 


Contact Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MO XXXX Phone : XXXX Email : XXXX I trust the CFPB will ensure that TransUnion fulfills its obligations under the law. Please contact me if further information or documentation is needed to assist with this complaint. 

Thank you for your attention and assistance. 

Sincerely, 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