Consumer complaint received 2025-08-03 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:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of all inaccuracies and disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX XXXX XXXX, alleging systemic issues failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience with TransUnion as well, where TransUnion has neither corrected ALL of the inaccuracies nor removed the disputed items despite the evidence I provided proving several FCRA violations have occurred and are still occurring presently on my credit report, causing ongoing harm to my credit standing. I am requesting immediate deletion to permanently remove these disputed accounts, as TransUnion 's inaction violates Federal law and my rights as a consumer. I have sent XXXX rounds of dispute letters to TransUnion in letters dated XX/XX/XXXX and XX/XX/XXXX. I have proof that TransUnion has received all my dispute letters via certified mail tracking and I have requested that TransUnion send the results of my investigations via USPS postal delivery to the address on each letter I sent ( my current mailing address ). I have not received the dispute results in writing as requested, neither the updated credit report also requested to be sent via mail, nor have all of the inaccuracies or inconsistencies been corrected. I no longer request any corrections as I can not trust TransUnion 's investigation will be proper according to the law or completed thoroughly. TransUnion has repeatedly violated FCRA section 611 ( a ) -failure to conduct a reasonable investigation and FCRA section 607 ( b ) -failure to maintain maximum possible accuracy, amongst others. Therefore, I request permanent deletion of this account.

TransUnions actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) as listed below : FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Requires CRAs to conduct a reasonable reinvestigation of disputed information within 30 days. Failure to notify you of results via your requested method ( USPS ) is a violation of this section.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires CRAs to follow reasonable procedures to assure maximum possible accuracy. Truncating the payment history instead of correcting inaccuracies and/or not providing requested important dates ( ie. date of first delinquency and delinquency first reported ) constitute failure to maintain accurate information.

FCRA 611 ( a ) ( 5 ) ( A ) : Requires deletion of disputed information if found inaccurate or unverifiable or correction of ALL inaccurate information or removal. If TransUnion couldnt verify the disputed data, they were required to delete itnot manipulate data, especially after the consumer requested permanent deletion.

FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) : Requires CRAs to provide a full written report of the results of a reinvestigation by mail if requested. Failing to respond in writing violates this section.

FCRA 611 ( a ) ( 5 ) ( B ) : Prohibits re-insertion of inaccurate information or alteration that results in misleading data after a dispute investigation. 

XXXX XXXX - TransUnion received XXXX dispute letters from me in the first round of disputes ( letters dated XX/XX/XXXX ). These dispute letters were received between XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX account * XXXX. No results were ever mailed to my address via postal delivery as requested. XXXX XXXX payment history/ remarks section omits XX/XX/XXXX data ( showing " no data or data unknown '' despite a documented payment being received XX/XX/XXXX. Dates last active differ from other credit bureaus. The remark " dispute resolved, consumer disagrees '' is inaccurate because the dispute HAS NOT been resolved. Violates FCRA 611 ( a ), 607 ( b ). Request deletion. 

XXXX XXXX 'S XXXX - TransUnion shows XXXX date of first delinquency ( DOFD ). Payment history section shows " unknown ' for XXXX XXXX, yet a XX/XX/XXXX charge-off is reported and XX/XX/XXXX the same amount was charged-off again. Duplicate charge-off months conflict with XXXX XXXX XXXX. The {$640.00} charge-off amount stated violates IRS reporting rules without issuance of 1099-C. Disputes dated XX/XX/XXXX and XX/XX/XXXX were ignored. No results mailed to me. 30-day timeframe has elapsed. Request deletion under FCRA 611, 607 ( b ), 623 ( a ) ( 5 ).

UPSTART LOAN OPERATIONS- TransUnion credit report shows no DOFD or DFR dates listed. TransUnion ignored my request to receive these dates in writing via postal delivery. Payment history reports XXXX lates XXXX XXXX, then a charge-off with no date. High balance inconsistent with Equifax and Experian. No unbroken chain of assignment for sale to Velocity. Disputes sent XX/XX/XXXX and XX/XX/XXXX. No investigation results received in writing via USPS postal delivery as requested. ALL inaccuracies have not been fixed. 30-day timeframe has elapsed. Violates FCRA 611, 607 ( b ). Request deletion. 

XXXX XXXX XXXX XXXX XXXX - Credit report did not confirm requested dates of importance, specifically DOFD from TransUnion. I reuested this date as well as delinquency first reported ( XXXX ), but never recived a written response from TransUnion via mail/postal delivery. Could not confirm date of first delinquency ( DOFD ) to contradict XX/XX/XXXX, but TransUnion reports major delinquency reported of XX/XX/XXXX ( over a year later ). TransUnion omits both XXXX and XXXX entirely, violating FCRA XXXX ( a ) ( XXXX ). The account was charged-off XX/XX/XXXX, yet " purchased '' XX/XX/XXXX indicating re-aging. No valid, unbroken chain of assignment or legal authority to collect was provided by furnisher/debt buyer. TransUnion failed to conduct a thorough and proper investigation. These documents should be updated systemically and remain on file with all credit bureaus for all debt buyers/furnishers/collection agencies. Request deletion for re-aging and failure to report with maximum accuracy.

TransUnion ignored my request for postal delivery of the investigation results and instead decided to email me for 1 week, then I got no dispute investigation results at all. Therefore TransUnion violated the 30 day written response requirement. TransUnion failed to adhere to my request for a mailed updated credit report, omitted important dates on my TransUnion credit report and failed to mail those dates to me ( DOFD and DFR ) for all the negative items as requested, and TransUnion failed to correct all the inaccuracies so my credit report issues have not been fixed, but TransUnion still claims my credit reports are correct - " consumer disagrees ''. Now, the only way to fix this situation is to PERMANENTLY DELETE ALL NEGATIVE/POTENTIALLY NEGATIVE ITEMS FROM MY TRANSUNION CREDIT REPORT.

Grounds for Complaint My CFPB complaints emphasize : Failure to respond properly within the 30-day timeframe as mandated by FCRA 611.

Failure to communicate results by the requested method ( postal mail ) despite certified mail requests and confirmation of receipt.

Manipulation of payment history sections to obscure previous inaccuracies, which is potentially willful misconduct under FCRA 607 ( b ) and 611 ( a ) ( 5 ).

Failure to delete inaccurate and unverifiable information, as required under FCRA 611 ( a ) ( 5 ) ( A ).

I have attached the unwanted TransUnion emails demonstrating how TransUnion ignored my " USPS-only '' request, dispute letters I sent XX/XX/XXXX and XX/XX/XXXX, tracking data/ proof of certified letter delivery and receipt, credit reports that still show inaccuracies that remain, a copy of my Driver 's License and proof of address.

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