Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
Subject : Escalated Complaint False Deletion Reports, Data Breach, and Ongoing FCRA Violations by TransUnion I am submitting this complaint because TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ) and has misrepresented the results of prior disputes to both me and the CFPB. 


-- - Background On XX/XX/year>, I filed CFPB complaint # XXXX regarding inaccurate charge-offs and collections on my credit report. 

On XX/XX/year>, TransUnion responded, claiming they had deleted or updated multiple accounts, including : XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX XXXX XXXX They further stated that maintenance was performed on Mission XXXXXXXX XXXX XXXX 


Issue Despite these claims, none of these accounts were actually removed. I checked my TransUnion credit report daily, and as of today, XX/XX/year>, the same disputed accounts remain. This is a direct contradiction of the companys reported actions to the CFPB. 

This creates XXXX possibilities, both of which violate the law : 1. TransUnion knowingly misrepresented dispute results to the CFPB and to me, or 2. TransUnion allowed improper reinsertion of deleted items without providing the required notice under FCRA 611 ( a ) ( 5 ) ( B ). 


Additional Evidence of Pattern of Misconduct On XX/XX/year>, I received a formal data breach notice from TransUnion confirming that my Social Security Number and Date of Birth were compromised due to unauthorized access of their systems. 

On XX/XX/year>, I received a settlement check ( {$21.00} ) from the class action lawsuit XXXX XXXX Trans Union, LLC ( Case No. XXXX ), which found TransUnion liable for mishandling consumer disputes.

Together, this evidence demonstrates a clear and ongoing pattern of inaccurate reporting, misrepresentation, data mishandling, and FCRA violations.

Requested Resolution I demand the following : 1. Permanent deletion of the disputed accounts ( XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX etc XXXX ). 


2. Assurance that these items will not be reinserted without strict compliance with FCRA 611 ( a ) ( 5 ) ( B ).

3. A formal investigation into TransUnions misrepresentation to the CFPB regarding my prior complaint.

4. Enforcement action against TransUnion for repeated FCRA violations and consumer harm.

Legal References FCRA 611 Reasonable reinvestigation ; prohibition on false reporting.

FCRA 611 ( a ) ( 5 ) ( B ) Notice required if reinserted after deletion. 

FCRA 623 Furnisher obligations for accuracy.

FCRA 609 ( e ) Identity theft and fraud protections.

TransUnions actions have gone beyond clerical error. They represent willful disregard of the law, consumer harm, and misrepresentation to a federal agency. I request immediate and permanent resolution.

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