Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Demand for Immediate Removal of Repeatedly Disputed Inaccurate Accounts Dear Experian, Equifax, and Trans Union, I am writing once again to dispute inaccurate and unverifiable information on my credit report, which has been continuously verified as accurate without actual investigation or documentation. This persistent failure to correct or remove disputed items, despite multiple prior disputes, is a gross violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

During a recent conversation with an Experian representative, I was explicitly informed that no actual investigation is conducted beyond acknowledgment of the account owners claima disturbing admission that your so-called investigations are superficial and in direct violation of your legal obligations. This failure is tantamount to willful negligence and directly contradicts your duty to conduct a reasonable reinvestigation of any disputed information. 

These unresolved inaccuracies are seriously damaging my creditworthiness and directly hindering my ability to obtain mortgage approval, impacting my financial well-being and life stability. In addition to the financial harm, this prolonged issue is causing significant emotional distress, XXXX, and a sense of helplessness as I continue to be denied fair and accurate credit treatment. 

Your failure to fully investigate these disputes and provide verifiable documentation proving the accuracy of the accounts constitutes a willful and negligent violation of my consumer rights. I am also aware of ongoing legal action and lawsuits against Experian and Equifax for similar violations, which only reinforces my concern about your business practices and treatment of consumer data. 

I hereby formally demand that you delete

these inaccurate items from my credit report within five ( 5 ) calendar days of receiving this notice. If you fail to comply, I will pursue further legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I have also begun seeking legal counsel regarding your repeated FCRA violations and the psychological and financial harm caused. Please note : Failure to delete these inaccurate accounts within five ( 5 ) days will
be taken as further evidence of your non-compliance and disregard for the law. I demand a copy of the results of your reinvestigation, including the name, address, and telephone number of each data furnisher contacted, as well as the method and documentation used to verify the information. 

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