{"took":102,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":285,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9787741","_score":23.717705,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a complaint against TransUnion for their failure to properly address my disputes regarding inaccurate items on my credit report. \nOn XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items on my report. In addition, I disputed incorrect personal information listed on my credit report. To help TransUnion verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. \nI received a response from TransUnion dated XX/XX/year>, 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. \nSubsequently, I sent another dispute letter on XX/XX/year>, because a direct dispute letter to XXXX XXXX XXXX, an account listed on my credit report, was returned to me as undeliverable, making this an unverifiable account. I demanded that TransUnion remove this account. However, I received the same response from TransUnion dated XX/XX/year>, reiterating : 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. \nAccording to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. \nIt appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do in accordance with the FCRA. \nI am including copies of my dispute letters sent to TransUnion along with TransUnions responses as proof.","date_sent_to_company":"2024-08-13T15:54:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77545","tags":null,"has_narrative":true,"complaint_id":"9787741","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-13T15:49:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I received a response from TransUnion dated XX/XX/year>, stating : We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[23.717705,"9787741"]},{"_index":"complaint-public-v1","_id":"12883948","_score":23.388763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against TransUnion for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to TransUnion, disputing inaccurate personal information and accounts on my credit report. \nTo ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security XXXX XXXX recent bill showing my current address I mailed my initial dispute letter on XX/XX/XXXX via XXXX XXXX mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, I received a response 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 puzzling, as all prior communications were sent directly by me and included all required information. \nSubsequently, I mailed a second dispute letter on XX/XX/XXXX. To date, I have not received any response from TransUnion regarding this submission. \nOn XX/XX/XXXX, I sent another dispute letter, to which I received a response dated XX/XX/XXXX, again 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. '' Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally obligated to conduct a reasonable reinvestigation of any disputed information on a consumers credit file. Based on the repeated rejections of my valid, properly submitted disputes, it appears TransUnion has failed to meet its obligations under the FCRA and has wrongfully dismissed my requests by mischaracterizing them as unauthorized. \nI respectfully request that this matter be investigated and that TransUnion be held accountable for failing to conduct the required reinvestigations in accordance with federal law.","date_sent_to_company":"2025-04-09T06:21:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"786XX","tags":null,"has_narrative":true,"complaint_id":"12883948","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-09T06:12:05.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. '' Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally obligated to conduct a reasonable reinvestigation of any disputed information on a consumers credit file."]},"sort":[23.388763,"12883948"]},{"_index":"complaint-public-v1","_id":"10746204","_score":22.643873,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XXXX XXXX XXXX, I mailed a formal dispute letter to TransUnion, requesting an investigation into inaccurate items on my credit report. Specifically, I disputed the negative items showing on my credit report, Incorrect reporting of a Bankruptcy, and Inaccurate personal information. To verify my identity and comply with TransUnions documentation requirements, I included A copy of my photo ID, My Social Security card, and A recent bill showing my current address. On XXXX XXXX XXXX TransUnion responded, stating, We recently received a request that included your information, but it didnt 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 wont process requests unless they come directly from you or an authorized third party.\n\nAccording to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information in a consumer 's file is disputed. By refusing to process my dispute or initiate a reinvestigation, TransUnion has failed to uphold its legal obligations under the FCRA. \nThe continued presence of this inaccurate Bankruptcy and incorrect personal information on my credit report is damaging my creditworthiness and does not reflect an accurate portrayal of my credit history.","date_sent_to_company":"2024-11-11T02:58:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11204","tags":null,"has_narrative":true,"complaint_id":"10746204","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-11T02:53:15.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XXXX XXXX XXXX TransUnion responded, stating, We recently received a <em>request</em> that included <em>your</em> information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we wont <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[22.643873,"10746204"]},{"_index":"complaint-public-v1","_id":"9308292","_score":22.600245,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a dispute letter to TransUnion, requesting an investigation into several inaccurate items listed on my credit report. Additionally, I disputed incorrect personal information that was listed on my credit report. To facilitate the verification of my identity and address, I included copies of my photo ID, social security card, and a recent bill showing my current address. \n\nI received a response back from TransUnion dated XX/XX/year> stating the following : 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. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. \n\nI believe that TransUnion 's refusal to process my dispute is in violation of the FCRA, as my dispute was submitted directly by me, the consumer. I followed the required procedures and included all necessary documentation to verify my identity and address. Despite this, TransUnion has refused to conduct a reasonable reinvestigation into my dispute.","date_sent_to_company":"2024-06-20T15:13:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20721","tags":null,"has_narrative":true,"complaint_id":"9308292","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-20T15:09:36.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I received a response back from TransUnion dated XX/XX/year> stating the following : We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[22.600245,"9308292"]},{"_index":"complaint-public-v1","_id":"10327220","_score":22.55981,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a letter to TransUnion disputing several negative items that are inaccurately reported with discrepancies on my credit report, along with incorrect personal information. However, TransUnion refused to conduct an investigation. On XX/XX/year>, I received a letter from TransUnion 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 unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, when a consumer disputes the completeness or accuracy of the information in their credit file, the credit bureau must conduct a reasonable reinvestigation to verify the information. TransUnions failure to fulfill this obligation is a direct violation of the FCRA.","date_sent_to_company":"2024-10-02T12:22:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"84088","tags":null,"has_narrative":true,"complaint_id":"10327220","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-02T12:15:39.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received a letter from TransUnion stating : \" We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. '' This response is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA )."]},"sort":[22.55981,"10327220"]},{"_index":"complaint-public-v1","_id":"9321630","_score":22.536085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. To facilitate this process, I included a copy of my photo ID, social security card, and a recent bill with my current address to help TransUnion verify my identity and address. \nDespite my efforts, Transunion refused to conduct the investigation. \nThe response I have received from Transunion, dated XX/XX/year>, states the following : 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. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. \nAdditionally, the bureau is required to provide the consumer with the results of the investigation, including specific details on the verification process if requested. \nIt appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. \n\nI am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.","date_sent_to_company":"2024-06-21T09:58:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94063","tags":null,"has_narrative":true,"complaint_id":"9321630","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-21T09:53:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["The response I have received from Transunion, dated XX/XX/year>, states the following : We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[22.536085,"9321630"]},{"_index":"complaint-public-v1","_id":"9179467","_score":22.4647,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report, as well as incorrect personal information. I took care to include a copy of my photo ID, social security card, and recent bill with my current address to assist TransUnion in verifying my identity and address. \n\nHowever, I received a response from TransUnion dated XX/XX/year>, stating the following : 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. \n\nAccording to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that TransUnion failed to fulfill this obligation by refusing to conduct the investigation despite receiving my dispute letter and accompanying documentation.","date_sent_to_company":"2024-06-05T14:47:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10598","tags":null,"has_narrative":true,"complaint_id":"9179467","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-05T14:35:02.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["However, I received a response from TransUnion dated XX/XX/year>, stating the following : We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[22.4647,"9179467"]},{"_index":"complaint-public-v1","_id":"9844438","_score":22.138054,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a letter to TransUnion requesting the method of verification for previously disputed items that were reported as verified. Specifically, I asked for the following details : The date you contacted the creditor/furnisher ; Contact information for the creditor/furnisher ; The name of the person who verified the item ; The method of communication used to verify the information ; Whether the creditor provided my Social Security Number, address, and date of birth during the verification process. \nOn XX/XX/year>, TransUnion provided a response 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. \nThis response from TransUnion suggests that they did not properly investigate my request, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to receive accurate and complete information about how my disputes were verified. The response I received from TransUnion fails to address my request and undermines my ability to ensure that my credit report is accurate. \nI am attaching a copy of my original letter sent to TransUnion, along with their response, as evidence of this issue.","date_sent_to_company":"2024-08-19T17:43:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07093","tags":null,"has_narrative":true,"complaint_id":"9844438","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-19T17:35:07.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XX/XX/year>, TransUnion provided a response stating, We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[22.138054,"9844438"]},{"_index":"complaint-public-v1","_id":"11004245","_score":22.088064,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/scrub>XXXX XXXX XXXX  I mailed a dispute letter to TransUnion via XXXX XXXXXXXX XXXX ( tracking # XXXX ), requesting a detailed description of the reinvestigation procedures for disputed items on my credit report. I included all necessary documentation to verify my identity and address, including a copy of my photo ID, social security card, and a recent bill with my current address. \nOn XXXX XXXX XXXX, I received a response from TransUnion stating : \" We recently received a request that included your information, but it didnt 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 wont process requests unless they come directly from you or an authorized third party. '' This response is concerning because, as outlined in the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items when a consumer submits a dispute, along with sufficient identification. By refusing to process my dispute, TransUnion has failed to fulfill its legal obligation under the FCRA. \nFurthermore, I have reviewed the most recent copy of my XXXX report, which does not list any XXXX Since XXXX is the primary furnisher of public record information used by credit bureaus to verify such data, this indicates that TransUnion can not verify the accuracy of the XXXX reporting on my credit report. \nI am including a copy of my original dispute letter, XXXX response, and the XXXX report for review.","date_sent_to_company":"2024-12-03T14:38:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10598","tags":null,"has_narrative":true,"complaint_id":"11004245","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-03T14:19:39.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we wont <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. '' This response is concerning because, as outlined in the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items when a consumer submits a dispute, along with sufficient identification."]},"sort":[22.088064,"11004245"]},{"_index":"complaint-public-v1","_id":"10783053","_score":21.880562,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a complaint against Transunion for failing to conduct a reasonable investigation into inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Transunion via USPS certified mail tracking # XXXX. In this letter, I requested an investigation into several inaccurate items on my credit report and also disputed incorrect personal information listed on my credit report. \nTo facilitate the verification process, I included copies of my photo ID, social security card, and a recent bill with my current address. \nI received a response from Transunion dated XX/XX/year> stating the following : \" 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. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. By failing to investigate my dispute, Transunion appears to have violated my consumer rights under the FCRA.","date_sent_to_company":"2024-11-13T21:32:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11229","tags":null,"has_narrative":true,"complaint_id":"10783053","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-13T21:27:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I received a response from Transunion dated XX/XX/year> stating the following : \" We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[21.880562,"10783053"]},{"_index":"complaint-public-v1","_id":"10313869","_score":21.842945,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XXXX XXXX XXXX, I mailed a formal dispute letter to TransUnion via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested an investigation into inaccurate and outdated negative items, including a bankruptcy, listed on my credit report. I ensured that my identity could be fully verified by attaching a copy of my government-issued photo ID, Social Security card , and a recent utility bill with my current address. \nDespite providing all the required documentation to verify my identity, TransUnion has refused to conduct a reasonable investigation into the disputed information, as mandated under the Fair Credit Reporting Act ( FCRA ). Instead of processing my dispute as required by law, I received an email response from TransUnion 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. \nAccording to the FCRA, if a consumer disputes the accuracy or completeness of any item of information on their credit report, the credit bureau must conduct a reasonable reinvestigation. TransUnions refusal to conduct such an investigation violates my consumer rights and has left inaccurate and unverifiable information on my credit report, including negative accounts and a bankruptcy.","date_sent_to_company":"2024-10-02T12:04:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10313869","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-02T11:56:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Instead of <em>processing</em> my dispute as required by law, I received an email response from TransUnion XXXX XXXX XXXX, stating : We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[21.842945,"10313869"]},{"_index":"complaint-public-v1","_id":"10875046","_score":21.840752,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a formal dispute letter to TransUnion requesting a thorough investigation into inaccurate items appearing on my credit report. Additionally, I disputed incorrect personal information listed in my report. To facilitate TransUnion 's verification of my identity and address, I enclosed a copy of my photo ID, Social Security card, and a recent bank statement reflecting my current address. \nOn XX/XX/year>, I received a response from TransUnion 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 in direct contradiction to my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that if a consumer disputes the accuracy or completeness of any item of information within their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion 's refusal to process my legitimate requestdespite receiving the necessary verification documentationdemonstrates a failure to meet this obligation. \nTransUnions lack of action has effectively denied me the right to an accurate and fair credit report, potentially harming my financial standing. This disregard for my rights under the FCRA is both frustrating and unacceptable.","date_sent_to_company":"2024-11-20T01:28:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34293","tags":null,"has_narrative":true,"complaint_id":"10875046","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-20T01:25:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received a response from TransUnion stating : \" We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. '' This response is in direct contradiction to my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA )."]},"sort":[21.840752,"10875046"]},{"_index":"complaint-public-v1","_id":"9387497","_score":21.786615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against TransUnion for their failure to respond to a dispute letter I mailed on XX/XX/2024. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. \nTo facilitate the verification of my identity and address, I included a copy of my photo ID, Social Security card, and a recent bill with my current address along with the dispute letter. Despite my clear and thorough request and the provision of these documents, I have not received any response from TransUnion regarding the investigation results. \nI received a response back from TransUnion dated XX/XX/2024 stating the following : 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. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute.","date_sent_to_company":"2024-07-01T04:34:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"9387497","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-01T04:27:51.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate."]},"sort":[21.786615,"9387497"]},{"_index":"complaint-public-v1","_id":"10118866","_score":21.786278,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a dispute letter to TransUnion requesting a detailed description of the reinvestigation procedures for items they had verified as accurate. I included my photo ID, social security card, and a recent bill with my current address to help TransUnion verify my identity and address. \n\nOn XX/XX/year>, I received a response from TransUnion 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. \n\nAccording to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of any item on their credit report, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. TransUnion 's response indicates that they did not investigate my dispute based on an assertion that my request was not authorized, despite my providing necessary identification and documentation. \n\nThis response suggests that TransUnion has failed to conduct a reasonable investigation as required by the FCRA, thereby violating my consumer rights. \n\nI am including a copy of my dispute letter sent to TransUnion, along with XXXX response, as proof.","date_sent_to_company":"2024-09-13T14:24:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92584","tags":null,"has_narrative":true,"complaint_id":"10118866","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-13T14:18:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received a response from TransUnion stating : We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[21.786278,"10118866"]},{"_index":"complaint-public-v1","_id":"11873280","_score":21.726618,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In my dispute, I challenged the negative items on my credit report, including an unauthorized inquiry. I also requested detailed information on how TransUnion verified the disputed items, including : The date of verification. \nThe method of communication used to contact the creditors. \nWhether the creditors provided my Social Security Number ( SSN ) and Date of Birth ( DOB ).\n\nTo ensure my identity was verified, I included the following documents with my dispute : A copy of my drivers license.\n\nA copy of my Social Security card.\n\nA recent utility bill as proof of address. \nDespite my thorough efforts, TransUnion refused to conduct the required investigation. On XX/XX/XXXX, I received a response from TransUnion 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. '' Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation if the accuracy or completeness of any item on a consumers credit file is disputed. By failing to process my dispute and refusing to investigate, TransUnion has violated my rights under the FCRA.","date_sent_to_company":"2025-01-31T16:01:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"84088","tags":null,"has_narrative":true,"complaint_id":"11873280","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-31T15:55:04.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. '' Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation if the accuracy or completeness of any item on a consumers credit file is disputed. By failing to <em>process</em> my dispute and refusing to investigate, TransUnion has violated my rights under the FCRA."]},"sort":[21.726618,"11873280"]},{"_index":"complaint-public-v1","_id":"11040602","_score":21.704914,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. \nThe letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response via email XX/XX/year>. The response stated : \" 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. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.","date_sent_to_company":"2024-12-05T18:22:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"836XX","tags":null,"has_narrative":true,"complaint_id":"11040602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-05T18:17:43.000Z","state":"ID","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["The response stated : \" We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file."]},"sort":[21.704914,"11040602"]},{"_index":"complaint-public-v1","_id":"16737456","_score":21.666618,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a formal dispute letter to TransUnion via USPS Certified Mail ( Tracking # XXXX ). This letter included clear documentation to verify my identity and address : a copy of my photo ID, Social Security card, and a recent utility bill. I specifically requested an investigation into inaccuracies on my credit report and corrections to erroneous personal information. \n\nUSPS tracking confirms that TransUnion received this letter on XX/XX/year>. However, on XX/XX/year>, I received a dismissive response from TransUnion 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. \n\nThis response is both inaccurate and unacceptable. The dispute was submitted directly by me, with complete identity verification and secure delivery. TransUnions refusal to investigate constitutes a clear violation of the Fair Credit Reporting Act, which requires consumer reporting agencies to conduct a reasonable reinvestigation upon receiving a valid dispute. Their failure to act demonstrates willful noncompliance with federal law.\n\nAttached are copies of my original dispute letter, USPS proof of delivery, and TransUnions response.","date_sent_to_company":"2025-10-21T19:18:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"16737456","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-21T19:12:34.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["However, on XX/XX/year>, I received a dismissive response from TransUnion stating : We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. \n\nThis response is both inaccurate and unacceptable."]},"sort":[21.666618,"16737456"]},{"_index":"complaint-public-v1","_id":"10776882","_score":21.666618,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX XXXX mail, requesting an investigation into multiple items on my credit report that I believe are inaccurate, along with a bankruptcy record that is reported with discrepancies and incomplete information. In compliance with TransUnions requirements, I included all necessary documents to verify my identity, such as a recent copy of my proof of address, my government-issued ID, and my Social Security card . \nDespite providing these documents, TransUnion refused to conduct the investigation as required under the Fair Credit Reporting Act ( FCRA ). Instead, on XX/XX/year>, I received a response from TransUnion stating : We recently received a request that included your information, but it didnt 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 wont process requests unless they come directly from you or an authorized third party. \nAccording to the FCRA, if a consumer disputes the completeness or accuracy of any information in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to verify or correct the disputed information. Despite my compliance with all identification requirements, TransUnions refusal to conduct the investigation represents a violation of my consumer rights under the FCRA.","date_sent_to_company":"2024-11-12T13:34:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89128","tags":null,"has_narrative":true,"complaint_id":"10776882","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-12T13:21:53.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Instead, on XX/XX/year>, I received a response from TransUnion stating : We recently received a <em>request</em> that included <em>your</em> information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we wont <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[21.666618,"10776882"]},{"_index":"complaint-public-v1","_id":"10419912","_score":21.664131,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Transunion for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Transunion, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. \n\nOn XX/XX/year>, I mailed a letter to Transunion ( USPS certified mail tracking number XXXX ). However, Transunion refused to conduct an investigation. On XX/XX/year>, I received a letter from Transunion 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 unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, when a consumer disputes the completeness or accuracy of the information in their credit file, the credit bureau must conduct a reasonable reinvestigation to verify the information. Transunions failure to fulfill this obligation is a direct violation of the FCRA.","date_sent_to_company":"2024-10-11T16:24:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30102","tags":null,"has_narrative":true,"complaint_id":"10419912","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-11T16:17:37.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received a letter from Transunion stating : \" We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. '' This response is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA )."]},"sort":[21.664131,"10419912"]},{"_index":"complaint-public-v1","_id":"10337744","_score":21.664131,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Transunion for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Transunion, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. \nThe letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : \" 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. '' According to the Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Transunion has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.","date_sent_to_company":"2024-10-03T15:03:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"10337744","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-03T14:59:02.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The response stated : \" We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file."],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[21.664131,"10337744"]},{"_index":"complaint-public-v1","_id":"8213325","_score":21.643673,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against TransUnion for its failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I mailed a dispute letter via XXXX XXXX mail tracking # XXXX, requesting an investigation into the following items : XXXX - XXXX, Bankruptcy Reference Number : XXXX, and incorrect addresses. To facilitate the verification of my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill. Despite my adherence to the FCRA 's dispute process, I received a response from TransUnion dated XX/XX/2023, 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 signifies a failure on TransUnion 's part to recognize and process a dispute initiated by the consumer, as mandated by the FCRA. The XXXX explicitly requires credit bureaus to conduct a reasonable reinvestigation when the completeness or accuracy of any item in a consumer 's file is disputed. I am submitting copies of my dispute letter, XXXX certified mail proof of delivery, and TransUnion 's response as evidence of my attempts to rectify the inaccuracies on my credit report.","date_sent_to_company":"2024-01-23T15:12:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38930","tags":null,"has_narrative":true,"complaint_id":"8213325","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-23T15:08:05.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Despite my adherence to the FCRA 's dispute <em>process</em>, I received a response from TransUnion dated XX/XX/2023, stating : We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[21.643673,"8213325"]},{"_index":"complaint-public-v1","_id":"9162734","_score":21.638653,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into several inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. \nTo facilitate the verification of my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. \nHowever, I received a response from TransUnion dated XX/XX/year>, 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. \nAccording to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any item in their credit bureau file, the bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. \nIt appears that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. \nI am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to ensure that TransUnion fulfills its legal obligations and conducts the necessary investigation promptly.","date_sent_to_company":"2024-06-03T16:27:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"9162734","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-03T16:22:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["However, I received a response from TransUnion dated XX/XX/year>, stating : We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party."]},"sort":[21.638653,"9162734"]},{"_index":"complaint-public-v1","_id":"11859556","_score":21.638653,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I submitted a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX ) to challenge inaccurate items on my credit report. Along with the letter, I provided proof of identity, including a copy of my photo ID, Social Security card, and a recent bank statement reflecting my current address. USPS tracking confirms that TransUnion received the letter on XX/XX/XXXX. \nI received a response dated XX/XX/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. \nThis response is wholly unacceptable and constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, Transunion is legally obligated to conduct a reasonable reinvestigation of any disputed items in a consumers file. By refusing to investigate my dispute, despite receiving clear verification documents and a detailed requestTransunion has failed to fulfill its statutory obligations. To support my claim, I have attached a copy of my original dispute letter and Transunions response.","date_sent_to_company":"2025-01-30T17:22:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91344","tags":null,"has_narrative":true,"complaint_id":"11859556","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-30T17:16:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. \nThis response is wholly unacceptable and constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, Transunion is legally obligated to conduct a reasonable reinvestigation of any disputed items in a consumers file."]},"sort":[21.638653,"11859556"]},{"_index":"complaint-public-v1","_id":"10848026","_score":21.638552,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity.\n\nThe letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : \" 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. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.","date_sent_to_company":"2024-11-19T14:38:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"84037","tags":null,"has_narrative":true,"complaint_id":"10848026","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-19T14:32:11.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The response stated : \" We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file."],"sub_issue":["Their investigation did not fix an error on <em>your</em> report"]},"sort":[21.638552,"10848026"]},{"_index":"complaint-public-v1","_id":"10419439","_score":21.638552,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. \nThe letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : \" 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. '' According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.","date_sent_to_company":"2024-10-11T16:42:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30102","tags":null,"has_narrative":true,"complaint_id":"10419439","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-11T16:38:36.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["The response stated : \" We recently received a <em>request</em> that included <em>your</em> information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and <em>security</em> of <em>your</em> <em>data</em> <em>very</em> <em>seriously</em>, so we won't <em>process</em> <em>requests</em> unless they come directly from you or an authorized third party. 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