Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
Subject : Failure by TransUnion to Resolve Disputed Late Payment Records Urgent Matter Involving XXXX XXXX Military Member Accounts Affected : XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am filing this formal complaint to document TransUnions repeated failure to correct inaccurate late payment information on my credit reportdespite three submitted disputes that included clear, verifiable evidence these payments were made on time. 

I am an XXXX XXXX service member, and the continued presence of false derogatory marks on my credit report is now placing my security clearance and employment at serious risk. This issue is not only threatening my career, but also causing significant emotional distress and financial harm. I need to stress that this letter serves as a documented good faith attempt to resolve this matter prior to pursuing legal action. 

My initial dispute was submitted via XXXX XXXX Mail ( Tracking # XXXX ) on XX/XX/XXXX. That dispute contained full payment records proving the accounts in question were never late. Despite this, TransUnion responded that the accounts had been verified, without acknowledging or addressing the evidence I provided. 

After receiving no meaningful resolution, I submitted a third disputealso via Certified Mail ( Tracking # XXXX ) which was delivered on XX/XX/XXXX. Again, it included supporting documentation and a detailed explanation of the discrepancies. To date, TransUnion has failed to update or correct the inaccurate information, nor has it provided any legitimate justification for its inaction. 

These failures constitute clear violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon receipt of a dispute with new evidence.

15 U.S.C. 1681e ( b ) : Failure to follow procedures to ensure maximum possible accuracy in credit reporting.

15 U.S.C. 1681s-2 ( b ) : If the data furnishers did not properly investigate the matter when contacted by TransUnion, they too are in violation. 

I am now urgently requesting that the Consumer Financial Protection Bureau take immediate action to hold TransUnion accountable and ensure that both the credit bureau and the relevant furnishers comply with their obligations under the FCRA. 

Attachments with this complaint include : Documentation proving timely payments for each account Certified Mail receipt confirming delivery on XX/XX/XXXX Copies of previous disputes and inadequate responses from TransUnion Given the professional and personal consequences of continued inaction, I expect this matter to be handled with the seriousness it deserves. 
Accounts Affected : XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX

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