Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Violations of FCRA and TILA by TransUnion To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint regarding ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) committed by TransUnion. Despite multiple written disputesLetter 1 dated XX/XX/2025 and Letter 2 dated XX/XX/XXXX, XXXX credit bureau has failed to fulfill its legal responsibilities in investigating and verifying disputed information. 
Nature of the Complaint : I have disputed the accuracy and validity of the following account ( s ), which remain on my credit report : Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. 

Creditor Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. 

Legal Basis for Complaint : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i Failure to Conduct a Proper Reinvestigation The bureau did not provide an adequate description of the reinvestigation process as required by law.

15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy The information reported does not meet the standard of accuracy required under the FCRA.

15 U.S.C. 1681b ( 2 ) Impermissible Purpose The information reported may have been shared or retained without a legally permissible purpose.

15 U.S.C. 1681a ( 4 ) Violation of Privacy Rights The ongoing reporting of this account violates my right to privacy under federal law.

15 U.S.C. 1681i ( 7 ) Failure to Provide Investigation Summary I have not received a summary of the investigation process within the 15-day window, as required.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ) Verification Failure I am invoking my right to demand physical proof of the original signed contract related to this account. Failure to produce this documentation constitutes a breach of verification standards.

Violations of the Truth in Lending Act ( TILA ) : Failure to Provide Accurate and Timely Disclosures TransUnion failed to provide accurate disclosures regarding the status of the account in accordance with the TILA.

Federal Consumer Protection Violations : Title 15, Chapter 41 This bureaus repeated failures to verify and correct information indicate systemic violations of federal consumer protection laws.

Public Law 91-506, Title VI, Section 611 ( Subsections AD ) The process used did not comply with federal requirements for removing inaccurate or unverifiable information.

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