Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX XXXX XXXXXXXX Email : XXXX SSN ( Last XXXX ) XXXX XXXX XXXX XXXX XXXX  DOB : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : FCRA Violation Failure to Respond Within 30 Days ( XXXX XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, This is a formal notice that both TransUnion and Experian have willfully violated the Fair Credit Reporting Act ( FCRA ) by failing to respond to my dispute within the statutory thirty ( 30 ) day period. 

On XX/XX/XXXX, I submitted a dispute through the Consumer Financial Protection Bureaus ( CFPB ) secure portal ( cfpb.gov ) concerning an account reported by XXXX  XXXX XXXX XXXX XXXX XXXX that contains multiple factual discrepancies between your reporting agencies. TransUnion received this dispute on XX/XX/XXXX and Experian received the same dispute on XX/XX/XXXX. As of today, XX/XX/XXXX, neither agency has provided the required written results of a reinvestigation. 

CFPB Disputes Governed by the Same Law It is well established that a dispute submitted via the CFPBs complaint system constitutes a direct dispute with a Consumer Reporting Agency ( CRA ). The CRAs obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA 611 ) apply equally, requiring completion of a reasonable reinvestigation and delivery of results to the consumer within thirty ( 30 ) days of receiving the dispute.

Applicable FCRA Provisions Violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) FCRA 611 : Requires CRAs to conduct a reasonable reinvestigation within 30 days of receiving a consumers dispute.

15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : Requires CRAs to provide written results of the reinvestigation within five ( 5 ) business days after completion.

15 U.S.C. 1681e ( b ) FCRA 607 ( b ) : Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports.

Case Law Support Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. XXXX ) : CRAs must do more than a superficial check when evidence of inaccuracy exists.

Richardson v. Equifax, XXXX : Failure to reconcile report discrepancies constitutes noncompliance with the maximum possible accuracy standard. 

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. XXXX ) : Continuing to report contradictory information after a dispute may be considered willful noncompliance.

Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. XXXX ) : Delayed or no response to a consumer dispute violates the FCRA. 

Legal Consequences of Non-Response The law is clear : if a CRA fails to complete a reinvestigation within thirty ( 30 ) days, the disputed information must be removed from the consumers file. At this point, it is too late to cure, update, or otherwise fix the account. The only lawful remedy is permanent deletion of the disputed item.

Demand for Immediate Resolution Permanent deletion of the XXXX XXXX XXXX XXXX XXXX XXXX account from my credit file. 

Written confirmation of the deletion. 

If you refuse to delete the account and instead claim verification, you must provide me with the full Method of Verification ( M.O.V. ) as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) within fifteen ( 15 ) calendar days of your verification. This M.O.V. must include : The name, address, and telephone number of the furnisher of the information.

A detailed description of the procedures you used to verify the accuracy of the disputed account.

Failure to comply will result in additional complaints to the CFPB and FTC, and I will consider filing a civil action seeking statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o. 

Enclosures : Copy of original dispute dated XX/XX/XXXX Proof of delivery to TransUnion ( XX/XX/XXXX ) Proof of delivery to Experian ( XX/XX/XXXX ) 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 explanation