Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I am filing this formal complaint against TransUnion, LLC for knowingly and willfully violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) by refusing to remove outdated hard inquiries which is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' from my credit report and falsely asserting that company policy supersedes federal law. This misconduct has caused direct harm to my financial standing and constitutes clear violations of my rights under 15 U.S.C. 1681 et seq. 

Legal Violations Committed by TransUnion Failure to Remove Outdated Hard Inquiries ( FCRA Section 605 ( a ) ( 5 ), 15 U.S.C. 1681c ( a ) ( 5 ) ) The FCRA explicitly states that hard inquiries may not be reported beyond two years from the date of the inquiry. Despite this legal requirement, TransUnion continues to report inquiries past the legally mandated timeframe. 

Violation : By refusing to remove these outdated inquiries, TransUnion has willfully disregarded federal law in favor of its internal company policies, which do not and can not override statutory requirements. 

Failure to Verify and Correct Information ( FCRA Sections 609 & 611, 15 U.S.C. 1681g & 1681i ) Under Section 609, I have the right to request verification of any information in my credit file, including hard inquiries. TransUnion is required to provide verifiable proof that these inquiries remain legally reportable. 

Under Section 611, if information can not be verified, it must be deleted immediately from my credit report. TransUnion 's refusal to investigate or correct this error within the legally required timeframe constitutes direct noncompliance. 

Willful and Negligent Noncompliance ( FCRA Sections 616 & 617, 15 U.S.C. 1681n & 1681o ) Willful Noncompliance ( Section 616 ) : TransUnion knowingly violated my rights by failing to follow federally mandated reporting limits and falsely asserting that its internal policies override federal law. Willful violations entitle me to statutory damages up to {$1000.00} per violation, punitive damages, and attorney 's fees. 

Negligent Noncompliance ( Section 617 ) : Even if TransUnion 's actions were due to negligence rather than intentional misconduct, I am entitled to actual damages for the harm caused by their illegal reporting practices. 

Detailed Account of My Interaction with TransUnion On XX/XX/year>, at XXXX XXXX  Central Time, I spoke with a TransUnion representative regarding the hard inquiries on my credit report. The representative refused to provide their name at the end of the call. 
Stated that TransUnion 's company policy overrides the law, despite my direct citation of 15 U.S.C. 1681c ( a ) ( 5 ), which clearly prohibits the reporting of hard inquiries beyond two years. 
Repeatedly refused to remove outdated inquiries, despite my lawful request. 
Disregarded my concerns and misrepresented company policy as being above federal consumer protection laws. 

Resolution Sought Immediate Deletion of Outdated Hard Inquiries TransUnion must immediately delete all hard inquiries that are more than two years old, as required by law. 

Compensation for FCRA Violations Due to TransUnion 's willful noncompliance, I am requesting the maximum statutory damages of {$1000.00} per violation, as provided under FCRA Section 616. 

Additionally, I am requesting punitive damages for the deliberate and reckless violation of my consumer rights. 

Should this matter escalate, I reserve the right to pursue further legal action for additional damages caused by TransUnions negligence. 

CFPB Investigation into TransUnions Compliance Practices I request that the CFPB investigate TransUnions systemic noncompliance with the FCRA regarding outdated hard inquiries. 

TransUnion must be required to ensure that all consumer disputes are handled in strict accordance with federal law rather than arbitrary company policies. 
TransUnions actions constitute a blatant violation of the Fair Credit Reporting Act, and they must be held accountable for their misconduct. I request that the CFPB prioritize this matter and take all necessary enforcement actions to ensure TransUnion complies with federal regulations. I called XXXX and XXXX and they deleted " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' both with no problem. 

I appreciate your prompt attention to this serious legal violation and look forward to a resolution that upholds my consumer rights. I am prepared to provide any additional documentation necessary to support my claims.

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