Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
CFPB COMPLAINT DEMAND TO DELETE, BLOCK & CEASE REINSERTION UNDER FCRA To : Consumer Financial Protection Bureau Against : TransUnion, LLC Complaint Type : Credit Reporting Inaccurate Information & Identity Theft Date Filed : XX/XX/XXXX Summary : I am filing a formal complaint against TransUnion for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) including : Failing to conduct a reasonable reinvestigation ( 15 U.S. Code 1681i ).

Failing to block fraudulent accounts upon receipt of a valid identity theft report and police report ( 15 U.S. Code 1681c-2 ).

Continuing to report factually inaccurate and incomplete information. 
Failing to provide method of verification. 
Failure to correct or delete accounts within the XXXX statutory window. 
Failing to notify me prior to reinserting previously deleted data ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ).

I have submitted multiple FTC Identity Theft Reports and a police report, and these accounts continue to be reported inaccurately. 



Accounts In Dispute with TransUnion : 1. XXXXXXXX XXXX  # XXXX Issue : Reported as verified as accurate, but incomplete and inaccurate. 
Balance : {$11000.00} Charge-Off Amount : {$11000.00} Credit Limit : {$10000.00} Date Closed : XX/XX/XXXX Inaccuracies : Account shows a past due amount of {$11000.00} after charge-off, which is redundant and misleading. 
TransUnion reports maximum delinquency of XXXX days in XXXX and XX/XX/XXXX despite the account being closed in XX/XX/XXXX, showing continued delinquency post-closure. 
The payment history is incomplete and inconsistent, with C/O reporting monthly without a transition from XXXX. 
Fails to explain how the data was verified despite identity theft claims, FTC Affidavit, and police report. 



2. XXXX XXXX XXXX # XXXX Reported as verified as accurate, but incomplete and inaccurate. 

Charge-Off Amount : {$1900.00} Credit Limit : {$1500.00} Balance : {$1900.00} Date Closed : XX/XX/XXXX Inaccuracies : Payment history shows multiple months ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with X or missing data. 
Account reports C/O even when showing OK in prior months without showing delinquency sequence ( XXXX ). 
Inconsistent month-to-month reporting ; multiple months have blank or non-standard codes. 
Account should have been blocked under FCRA XXXX based on submitted ID theft documentation. 



3. XXXX XXXX XXXX # XXXX Reported as verified as accurate, but incomplete and inaccurate. 

Charge-Off Amount : {$840.00} Credit Limit : {$500.00} Balance : {$840.00} Inaccuracies : Account marked as charged off, but previous months show OK with no clear delinquency path ( e.g., OK in XX/XX/XXXX, suddenly CO in XX/XX/XXXX ). 
Payment history is erratic with incomplete historical data. 
The account was closed in XX/XX/XXXX but TransUnion still reports XXXX days late in XX/XX/XXXX, which is factually impossible post-closure. 



XXXX. XXXX XXXX XXXX # XXXX Reported as verified as accurate, but incomplete and inaccurate. 

Charge-Off Amount : {$6700.00} Credit Limit : {$6000.00} Balance : {$6700.00} Date Closed : XX/XX/XXXX Inaccuracies : Account reports past due and balance equal, which is misleading post-charge-off. 
Maximum Delinquency of XXXX in XXXX and XX/XX/XXXX, but payment history includes incomplete entries ( e.g., X or blank ). 
Many months include XXXX or skipped reporting in XXXX and XXXX, violating Metro 2 reporting standards.

Violations : TransUnion is in violation of the following FCRA provisions : 1681c-2 : Failure to block fraudulent info after identity theft report + police report.

1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

1681i ( a ) ( 5 ) : Failure to delete or correct disputed information.

1681e ( b ) : Failure to assure maximum possible accuracy.

1681g : Failure to provide method of verification upon request.

1681n & 1681o : Liable for willful and negligent noncompliancesubject to statutory damages, actual damages, punitive damages, attorney fees.

Demand : 1. Permanently delete and block the accounts listed above pursuant to FCRA 1681c-2.

2. Cease and do not reinsert these accounts without full compliance under FCRA 1681i ( a ) ( 5 ) ( B ).

3. Provide a detailed description of investigation for each item, including : Who was contacted When How the item was verified 4. Provide a statement confirming the accounts have been removed or provide legal justification for refusal.

Notice : If TransUnion fails to delete and permanently block these accounts within XXXX business days, I will file a lawsuit under FCRA, demanding : {$1000.00} statutory damages per violation {$25000.00} in actual damages Punitive damages Attorney fees and court costs I have already exhausted dispute options and provided substantial evidence of identity theft and reporting errors. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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