Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is a follow up complaint to the complaint that was filed against TransUnion on XX/XX/XXXX. This complaint is based in part on the fact TransUnion refuses to delete accounts from my report that are showing inaccurate information and fraudulent practices. In my recent complaint my focus was mainly on the fact that they failed to do an adequate investigation. Unfortunately the consumer is unable to pick more than XXXX response to questions. 

I am submitting this complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) and misrepresentations made during formal dispute investigations through the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/XXXX, I submitted several CFPB complaints against TransUnion regarding the inaccurate reinsertion of previously deleted student loan accounts and other erroneous reporting practices. On XX/XX/XXXX, the disputed student loans were reinserted on my credit reportwithout proper notice, investigation, or documentation. 

Despite this, TransUnion responded to the CFPB claiming the accounts were not present on my credit report, which is categorically false. Their conduct constitutes serious violations of both federal law and consumer rights.

Violations Include : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to notify me within 5 business days after reinserting deleted items.

2. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

3. 1681i ( a ) ( 6 ) Failure to provide results of reinvestigation, as required.

4. 1681i ( a ) ( 5 ) ( A ) Unlawful reinsertion without proper certification from the data furnisher.

5. 1681e ( b ) Continuing to report inaccurate and unverifiable information, including outdated and contradictory data.

6. 1681g ( a ) ( 1 ) Failure to fully disclose accurate and complete credit file contents during disputes.

7. 1681s-2 ( b ) If applicable, failure of the furnisher to investigate the dispute once notified by TransUnion.

8. 1692e ( 8 ) ( If applicable ) Communicating false or misleading information regarding disputed accounts.

Additionally, TransUnion provided boilerplate, incoherent responses to at least five complaints and outright false claims on two othersstating the student loan accounts were not on my file, even after reinserting them on XX/XX/XXXX. And its very suspicious how they were still in the investigation process until I filed a complaint with the Attorney General of PA and IL, and the next day they respond with these ludicrous investigation results.

These actions have caused significant harm to my credit standing, undermined my consumer rights, and demonstrated willful noncompliance with federal law. I am requesting your office investigate TransUnions violations and take appropriate enforcement action on behalf of consumers.

Thank you for your attention to this matter.

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