Consumer complaint received 2025-08-13 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: NV

Complaint narrative:
On XX/XX/year>, I logged into my TransUnion account and went to the Dispute Center to dispute an inaccurate tradeline : XXXX XXXX XXXX ; {$1700.00} charge-off/collection. When I clicked to dispute, the site did not provide a comment box to submit my dispute in writing ; instead I was provided with boxes to check reason for dispute. After a dispute with the original debt agency XXXX XXXX XXXX, XXXX XXXX XXXX deleted my collections account on XXXX  and XXXX  due to not being able to validate this collections account authenticity. There was no checkbox for this on the TransUnion online dispute center, so I clicked on Other. After clicking Other, the Transunion website, automatically connected me the XXXX. After clicking General Questions, I was connected to a live agent through my account on the TransUnion Dispute Center Website. This live agents name is XXXX. 

The agent told me they required me to complete a XXXX  Form before they could open my dispute. The link they sent would not open due to their own technical issue. I told the agent to open my dispute anyway and start the 30-day investigation clock under the FCRA. The agent refused, saying they could not open my dispute because of the technical error. They sent a inaccessible PDF format 3 times. XXXX told me he had my information. 

XXXX had my Name, DOB, address, last 4 to my SSN, the amount and The tradeline name I requested to dispute. 

Immediately after this, TransUnion disconnected me from the chat and forcibly logged out of my TransUnion account. When I attempted to log back in to complete my dispute, I was met with an error code message and locked out of the dispute center entirely. This prevented me from filing my dispute at all and denied me access to my own file. 

This denied me a reasonable method to submit my dispute and prevented TransUnion from providing my written statement and documentation. XXXX  and XXXX  have already removed this same tradeline after investigation, but TransUnion continues to report it. 

FCRA : 610 ( a ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( 611 ( a ) ( 1 ) ( A ) ) Please note, live agent responded saying they had my information, however required a PDF format. Screenshots can be provided. 
Because this account was deleted by the furnisher ( XXXX ) from other credit bureau files as a result of my disputes, it is subject to the reinsertion restrictions under FCRA 611 ( a ) ( 5 ) ( B ). Any re-reporting to TransUnion, XXXX, or XXXX  without certification and 5-day notice will be treated as a willful violation. 


Attachments I will upload : screenshots of the chat showing the XXXX  Form requirement and refusal, and my XXXX reports showing the deletion.

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