Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Subject : XXXX XXXX XXXX XXXX XXXX TransUnion Dear Consumer Financial Protection Bureau, I am filing this complaint against TransUnion for their ongoing failure to accurately report, correct, and delete erroneous credit information in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Regulation F, and other applicable federal and state consumer protection laws. 
Despite providing TransUnion with dispute documentation, evidence, and formal notices well beyond the XXXX and additional XXXX reinvestigation periods allowed under XXXX XXXX. XXXX and XXXX XXXX. XXXX, TransUnion has failed to remove or correct the following accounts and inquiries, which remain inaccurate, unverifiable, or reported in bad faith. 
Accounts to be Disputed : XXXX ) XXXX XXXX Bank Credit Card, Individual responsibility. 
- Status : Open ( XXXX  days late ) - Limit : {$300.00} | Balance : {$60.00} | Monthly Payment : {$30.00} | Utilization : 20 % - Opened : XX/XX/XXXX - Late Payments : XX/XX/XXXX ( XXXX  days late ) - Amount Past Due : {$25.00} | Last Payment : XX/XX/XXXX - Remarks : Derogatory - Creditor Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX - Phone : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX, Individual responsibility. 
- Status : Open ( XXXX days late ) - Highest Balance : {$1700.00} | Current Balance : {$1900.00} | Monthly Payment : {$57.00} - Opened : XX/XX/XXXX | Term : 46 months - Late in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX days late ) - Last Payment : XX/XX/XXXX - Times Late : XX/XX/XXXX - Remarks : Derogatory XXXX XXXX XXXX XXXX XXXX XXXX, Individual responsibility. 
- Status : Open ( XXXX days late ) - Highest Balance : {$1700.00} | Current Balance : {$1900.00} | Monthly Payment : {$57.00} - Opened : XX/XX/XXXX | Term : XXXX  months - Late in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX days late ) - Last Payment : XX/XX/XXXX - Times Late : XXXX - Remarks : Derogatory Bankruptcy Reporting Issue : TransUnion is reporting a XXXX XXXX  XXXX XXXX filed on XX/XX/XXXX, and dismissed on XX/XX/XXXX. A dismissed bankruptcy is not a completed adjudication of debt and holds no legal effect under the Bankruptcy XXXX. 
Reporting a dismissedbankruptcy as if it were a valid negative item is misleading, constitutes inaccurate reporting, and violates FCRA XXXX ( b ) and XXXX, which require maximum possible accuracy and prompt correction of errors. This item must be permanently deleted. 
Legal Violations and Basis for Deletion : - XXXX XXXX. XXXX ( a ) Failure to conduct a reasonable reinvestigation within XXXX  days. 
- XXXX U.S.C. XXXX ( b ) Failure to maintain maximum possible accuracy. 
- XXXX U.S.C. XXXX Failure to validate debts before continued collection activity. 
- XXXX U.S.C. XXXX Lack of permissible purpose for reporting certain accounts. 
- XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Unauthorized access to a consumers credit report without a permissible purpose constitutes a concrete injury under the FCRA, and the burden is on the furnisher to prove permissible purpose. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Continued reporting of disputed debts without marking them as disputed violates the FCRA. 
- XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinvestigation must be independent and genuine, not just a repetition of the furnishers response. 
- XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Liability for failing to delete information after the furnisher admits it can not verify the debt. 
- Regulation F Prohibition of false or misleading credit information. 
XXXX Requested : I request that the CFPB compel TransUnion to : XXXX. Delete the above-referenced accounts and inquiries in their entirety. 
XXXX. Delete the dismissed bankruptcy from my credit file. 
XXXX. Provide written confirmation of the deletions within 15 days. 
The continued reporting of these inaccurate, unverifiable, and misleading accounts places TransUnion in legal jeopardy under XXXX XXXX. XXXX for willful noncompliance and XXXX XXXX. XXXX for negligent noncompliance. 
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