Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
b"I am filing this complaint against TransUnion for refusing to conduct a reasonable investigation into my dispute letter mailed on XXXX XXXX XXXXXXXX via USPS Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX in violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i. Despite providing all required documentation to verify my identity and support my dispute, TransUnion has failed to investigate the inaccurate information on my credit report, violating my consumer rights.\nOn XXXX XXXX  XXXX, I mailed a dispute letter to TransUnion via certified mail, disputing the following inaccurate items on my credit report:\nInaccurate Negative Information: My credit report contains negative information reported with discrepancies that have not been properly verified. These items misrepresent my creditworthiness and must be corrected or removed.\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDismissed Bankruptcy (Reference Number: XXXX):\nIssue: This bankruptcy entry lists the court name as U.S. Bankruptcy Court, which is not a specific court, with a filing date of XXXX The reference number appears incorrect, liability amount and remarks are missing, and it may be a duplicate of Bankruptcy Reference Number XXXX (filed XXXX). These omissions render the reporting incomplete and misleading.\nDemand: Investigate the accuracy and completeness of this bankruptcy. If unverifiable, remove it permanently from my credit report.\nDismissed Bankruptcy (Reference Number: XXXX):\nIssue: This bankruptcy entry also lists the court name as U.S. Bankruptcy Court, with a filing date of XXXX The reference number appears incorrect, liability amount and remarks are missing, and it may be a duplicate of Bankruptcy Reference Number XXXX These omissions render the reporting incomplete and misleading.\nDemand: Investigate the accuracy and completeness of this bankruptcy. If unverifiable, remove it permanently from my credit report\nIncorrect Personal Information: My credit report contains inaccurate personal information that I requested be corrected. This was included in my dispute with supporting documentation and must be updated to reflect accurate details.\nAs required by the FCRA, my dispute letter included:\nA copy of my government-issued ID.\nA copy of my Social Security card.\nProof of address.\nThese documents clearly verify my identity, and TransUnion has no valid reason to refuse investigation. However, I received no response from TransUnion addressing my dispute, which violates FCRA  1681i(a)(1), requiring a reasonable reinvestigation within 30 days of receiving a consumers dispute.\nI note that I received a response from TransUnion dated XXXX XXXX XXXX stating, 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 irrelevant to my TransUnion dispute, as it was sent to the wrong bureau. TransUnion has provided no response, further demonstrating their failure to comply with FCRA obligations."

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