Consumer complaint received 2025-10-17 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX, AL XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) and TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Rebuttal to Companys Response CFPB Complaint # XXXX Re : Failure to Acknowledge Verified Consumer Submission and Violation of FCRA 611 Dear CFPB and TransUnion Compliance Department , I am submitting this formal rebuttal regarding TransUnions response to my CFPB complaint # XXXX, which was improperly marked as Closed with explanation. TransUnions claim that the request did not come from you or someone youve authorized is factually inaccurate and misleading. I personally submitted this complaint and dispute directly through official CFPB channels and attached the required identity verification documents, including : A valid state-issued ID A copy of my Social Security card A utility bill showing my current address ( XXXX XXXX  XXXX., XXXX, AL XXXX ) These documents were uploaded to verify my identity and establish my right to dispute the accuracy and handling of my personal and financial information. Therefore, TransUnions assertion that the submission was unauthorized is baseless and demonstrates a failure to perform due diligence under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), which mandates that consumer reporting agencies must reinvestigate disputes submitted by the consumer with proper identification. Violations and Concerns 1. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) : Despite receiving verified identification, TransUnion failed to investigate my dispute in good faith. Instead, they closed my complaint with an inaccurate explanation, which constitutes noncompliance with federal law.2. Negligent Handling of Verified Consumer Data : TransUnions dismissal of a properly authenticated complaint raises serious concerns about internal verification procedures and the safeguarding of consumer-submitted documentation. 3. Retaliatory or Evasive Conduct : Claiming my submission was unauthorizedafter receiving full identifying documentationis a potential attempt to avoid addressing the substance of my FERPA and data breach allegations. Requested Remedies I respectfully request the following actions : 1. Immediate Reopening of My CFPB Complaint # XXXX for full review. 2. Formal investigation by the CFPB into TransUnions handling of verified disputes and potential FCRA violations. 3. Written acknowledgment from TransUnion confirming receipt of my identification documents and a detailed explanation of why the complaint was misclassified as unauthorized. 4. Correction of all affected records and deletion of any inaccurate or disputed information resulting from this mishandled complaint. This matter involves the improper treatment of verified consumer submissions and potential violations of both FERPA and FCRA protections. I expect confirmation from both the CFPB and TransUnion that a new investigation will be initiated within 15 days of receipt of this letter. Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX, AL XXXX Email : 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