Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint against TransUnion for its repeated failure to properly investigate and correct inaccurate and retaliatory credit reporting related to a dispute with XXXX XXXX XXXX XXXX 

Despite having an active dispute regarding a {$2100.00} charge for services not rendered, as well as open complaints with multiple government agencies, TransUnion continues to enable XXXX  damaging credit behavior. 

I currently have the following open complaints : CFPB Complaint ( initial, XXXX ) : No. XXXX New York Attorney General ( AGNY ) : Intake # XXXX Office of the Comptroller of the Currency ( OCC ) : Case No. XXXX I have been disputing this debt for at least five months, and TransUnion has completely failed to provide a functional system to allow me to view, track, or resolve these disputes. 

XXXX portal blocks me from accessing my own credit report, viewing or submitting disputes, or adding a personal statement. The system consistently shows a not available at this time message. I can only access my report through XXXX, which then simply reroutes me to XXXX broken interface when I want to file a dispute. 

Ive made multiple attempts to correct my accounts and the access issues. I submitted previous CFPB complaints for both, contacted XXXX customer service repeatedly, and even messaged them via XXXX customer support portal for over a month. Nothing was fixed. 

On XX/XX/year>, my disputes were recently approved via XXXX XXXX regarding XXXX and two other creditors, yet TransUnion has still not updated any of the tradelines or marked them under dispute, unlike XXXX  and XXXX, who updated theirs more promptly. TransUnions hand in hand inaction with XXXX  is discriminatory, retaliatory, and places me at a financial disadvantage. 

On XX/XX/XXXX, while all of these complaints were still pending, TransUnion published new derogatory updates from XXXX  including : A 90-day late mark ( for XXXX ) Over-limit status Account closure These updates did not appear until XX/XX/XXXX however, suggesting TransUnion allowed XXXX  to delay posting them while deciding on further retaliation ( after I reported XXXX  to CFPB for unverified bureau reporting ) . Meanwhile, XXXX XXXX is actively under investigation by multiple regulators. This is a gross violation of FCRA and shows that TransUnion is complicit. 

Even worse, XXXX continues to send me monthly statements showing a {$360.00} minimum payment due, but TransUnion allows them to report the minimum as a mere {$87.00}, proving the tradeline is inaccurate and contradicts XXXX own billing. 

Allys reported history to Transunion jumps from green checks in XXXX and XX/XX/year> to a sudden 60-day late mark in XXXX and 90-day late in XXXX yet XXXX  said the accounXXXX XXXX XXXXady closed on XX/XX/XXXX, and XXXX  told XXXX  it closed XX/XX/XXXX, while the CFPB dispute was still open through XX/XX/XXXX. This inconsistency across bureaus is further proof of inaccurate and retaliatory furnishing. 

When confronted, Experian backtracked and changed the record from 90 days ( in XXXX ) to only 60 days late in XXXX, which shows the data is not reliable or verified. TransUnion has not corrected anything ... outright refusing. 

More proof of TransUnions poor verification process : According to a XX/XX/year> XXXX  verification notice ( confirmation # XXXX ), the XXXX account was reported as Pays as agreed, with no past due and no delinquencies. In XXXX, the XXXX account was under an open dispute and no late payment should have been reported. Then by XXXX, XXXX was already being investigated by the New York Attorney General and the OCC, so I dont understand how they justified backdating past due marks or where their 90 days late designation is even coming from. Worse, XXXX closed my account and reported it as such without providing advance notice or a formal explanation. I was not informed of the closure or any justification for it. On what grounds did XXXX close the account and what made TransUnion accept this retaliatory information without question? 

At this point, I reserve all rights under the Fair Credit Reporting Act ( FCRA ), including the right to seek damages for negligent or willful noncompliance. Any continued reporting of false, inconsistent, or retaliatory information may be treated as evidence of systemic abuse and bad faith.

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