Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX Monday, XX/XX/XXXX To : TransUnion XXXX XXXX XXXX, XXXX, PA XXXX Subject : Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear, TransUnion, I, XXXX XXXX XXXX a natural person, am formally submitting this dispute regarding the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly disputed these violations, yet my requests for a proper investigation have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable investigation violates my rights under federal law. 

One of the primary inaccuracies pertains to my account with XXXX XXXX. Specifically, this account does not accurately list my payment history, yet it has been reported as negative on my consumer file. Additionally, you have failed to provide me with verifiable proof of the alleged late payments in a timely fashion before reporting such derogatory information on my consumer report. 

This wrongful information has blocked and restricted my ability to secure financial opportunities, making it nearly impossible to sustain a living. The continued misrepresentation of my payment history violates your legal duty to verify disputed information under 15 U.S. Code 1681s-2 and has caused significant financial and personal hardship. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against credit reporting agencies for failing to conduct legitimate investigations into consumer disputes. As detailed in their official report : CFPB and FTC Take Actions Against TransUnion for Illegal Rental Background Check and Credit Reporting Practices, this demonstrates a pattern of noncompliance and willful neglect by credit reporting agencies, further reinforcing my demand for an immediate resolution. 
Since you have failed to fulfill your statutory obligation to verify this information properly and have ignored my repeated requests, I am demanding the immediate removal of this account or the correction of my payment history to accurately reflect my payments. 
This is my final request. Failure to comply within the legally mandated 30-day timeframe will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and potentially pursuing legal action for damages resulting from your willful noncompliance. 

This matter is neither negotiable nor subject to further delay. I demand an immediate correction of my consumer credit file. Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

Sincerely, 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