Consumer complaint received 2025-04-10 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: MD

Complaint narrative:
I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that TransUnion has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports. 

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX highlighted practices that are consistent with issues I have experienced with TransUnion, including : Conducting sham investigations : TransUnion, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. 
Improper reinsertion of inaccurate information : TransUnion has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. 
Failure to notify consumers adequately : TransUnion provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my TransUnion credit report that require immediate correction : ACCOUNTS XXXX XXXX - XXXX - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX XXXX XXXXXXXX - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Public Record - U.S. Bankruptcy Court - I urge you to validate this information as the U.S. Bankruptcy Court asserts that they do not report to any entity. I have verified this with XXXX and XXXX, both of which have stated that they can not confirm the accuracy of this information. 

Public Record - U.S. Bankruptcy XXXX - XX/XX/year>XXXX  - I urge you to validate this information as the U.S. Bankruptcy Court asserts that they do not report to any entity. I have verified this with XXXX and XXXX, both of which have stated that they can not confirm the accuracy of this information. 

Despite my previous efforts to address these errors, they persist, and I suspect improper practices by TransUnion have contributed to their continued presence.

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