Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX RE : Final Notice to Correct Violations and Remove Inaccurate Data From Consumer Report To Whom It May Concern, This is my final written demand regarding TransUnions failure to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. My XX/XX/XXXX disputesubmitted directly to TransUnion and through the CFPBidentified multiple inaccurate and unverifiable items, including accounts from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. TransUnions XX/XX/XXXX response failed to provide a lawful resolution. 

I am now placing you on formal notice that unless these violations are corrected within 15 days, I will seek relief in federal court for statutory damages, actual damages, emotional distress, and punitive damages. This letter is being sent via Certified Mail and includes copies of my drivers license, proof of address, and Social Security card for identification purposes.

FCRA Violations by TransUnion : 1681i ( a ) ( 1 ) ( A ) : Failure to Conduct a Reasonable Reinvestigation Your response indicates that you relied exclusively on the furnishers ' automated responses without conducting any independent or manual review of the documentation I submitted. A reasonable reinvestigation requires more than electronic verification through e-OSCAR.

1681i ( a ) ( 5 ) ( A ) : Failure to Delete Unverifiable Information You failed to remove the XXXX XXXX and XXXX XXXX accounts from my report even though you provided no evidence of verification. You are required to delete any disputed item that can not be fully verified.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to Provide Verification Procedure Description You did not provide a detailed description of the investigation, including what was verified, by whom, or with what documentation. Your response contained generic language that does not meet the requirements of the FCRA.

1681e ( b ) : Failure to Ensure Maximum Possible Accuracy You continue to report inaccurate or outdated personal information including old addresses, employer data, and identifiers. Only one name ( XXXX XXXX XXXX ) and one address ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) should appear.

1681i ( c ) : Failure to Note Items as Disputed One or more of the disputed accounts do not contain the legally required consumer disputes this account notation. This is required during and after a formal dispute.

1681c ( a ) ( 4 ) : Illegal Re-Aging of Debt Some reporting dates on the XXXX XXXX and XXXX XXXX accounts appear to inaccurately delay the natural aging-off period. This extends the reporting window beyond what the law permits. 

This pattern of neglect reflects the same conduct that was at issue in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ), where TransUnion was challenged for failing to properly reinvestigate consumer disputes and relying on automated systems rather than fulfilling its legal obligations. The court allowed the claims to proceedyour companys conduct in my case is nearly identical. 

Final Demand I hereby demand the following : Immediate deletion of all unverifiable or inaccurate accounts, including : XXXX XXXX XXXX XXXX ( all accounts ) XXXX XXXX ( ending in XXXX XXXX XXXX XXXX ( ending in XXXX ) Removal of all outdated and irrelevant personal information, retaining only : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Written confirmation detailing the documentation, sources, and contact information for each furnisher used during your reinvestigation.

Fair Resolution A fair resolution would include full removal of the inaccurate items and restoration of my credit report to accuracy and compliance. I also expect written confirmation of changes made. I have experienced a credit denial directly tied to these inaccurate reports and the stress of repeated failed disputes. If this matter is not resolved within 15 days, I will proceed with legal action and seek : {$1000.00} per violation under 1681n, Actu
al damages and emotional distress under 1681o, Punitive damages for willful noncompliance, And court costs and attorneys fees. 

This is your final opportunity to comply. I will no longer be addressing this matter outside of court unless full relief is provided. 

Sincerely, XXXX 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