Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC XXXX Dear CFPB, Re : Complaint against TransUnion for Inaccurate Information on Credit Report I am writing to submit a complaint against TransUnion for inaccurate information on my credit report. Specifically, I am disputing the information related to XXXX XXXX XXXX account XXXX XXXXXXXX, which was opened on XX/XX/XXXX and has a balance of {$0.00}. 

Background On XX/XX/XXXX, I submitted a complaint against TransUnion ( Claim XXXX XXXX ), including documentation of disputes sent to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In these disputes, I requested " physical proof '' to verify that TransUnion had a record of my documentation at the credit bureau. However, TransUnion failed to provide this proof. 

Retaliation by TransUnion Instead of addressing the issues raised in my complaint, TransUnion retaliated against me by reinserting several previously deleted accounts, including the XXXX XXXX XXXX account. Additionally, they changed the score calculations to include closed and {$0.00} balance accounts, which has resulted in my TransUnion credit score being up to XXXX points lower than the other two credit bureaus. 

Inaccurate Information On XX/XX/XXXX, I received an email alert that TransUnion had updated my dispute. However, the information provided for the XXXX XXXX XXXX account is clearly inaccurate. The account is listed as " VERIFIED AS ACCURATE '' with the following payment history : XX/XX/XXXX paid on time, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. I never received a notice when TransUnion reinserted this account on my credit report. 

FCRA Violations TransUnion 's actions appear to violate several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Reasonable Investigation ( FCRA 611 ) : TransUnion failed to conduct a reasonable investigation into my disputes, which led to the reinstatement of the deleted account. 
XXXX. Failure to Correct or Delete Inaccurate Information ( FCRA 611 ) : TransUnion failed to correct or delete the inaccurate information on my credit report, despite my disputes. 
XXXX. Reinsertion of Previously Deleted Information ( FCRA 611 ) : TransUnion reinserted the previously deleted account information without my consent or notification. 
XXXX. Failure to Provide Accurate Information to Consumers ( FCRA 609 ) : TransUnion failed to provide accurate information to me, the consumer, about the dispute and the investigation. 
XXXX. Retaliation against Consumers ( FCRA 611 ) : TransUnion retaliated against me by reinserting previously deleted accounts and changing the score calculations.

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