Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
This is a Formal Complaint Against TransUnion Concerning XXXX XXXX XXXX  To Whom It May Concern, I am filing this complaint against TransUnion regarding their handling of my dispute concerning a XXXX XXXX account appearing on my credit report. On XX/XX/year>, I submitted a dispute challenging the following inaccuracies and inconsistencies : Account Number the number being reported is not valid. Late Payments the count of late payments is inaccurate. Open Date and Close Date the dates are reported incorrectly. Balance the balance being reported is inaccurate. I also specifically instructed that I do not consent to electronic communications and that all responses must be sent to me via XXXX mail only. In addition, the account being reported contains no valid account number, no identification of the current creditor or owner, and no indication of whether this account has been sold or transferred. Without this information, there is no way for me to verify or contact the alleged creditor. Reporting an account without showing ownership or assignment makes the data unverifiable under the FCRA and requires immediate deletion. Despite the requirements of the Fair Credit Reporting Act, TransUnion has never responded in any form. I received no reinvestigation notice, no documentation, and no mailed communication of results. This is a willful violation of federal law and a denial of my consumer rights. Violations of the FCRA and CFPB Regulations Failure to Reinvestigate Disputed Information ( 1681i ( a ) ( 1 ) ) TransUnion was legally obligated to complete a reinvestigation within 30 days. They failed to act altogether. Failure to Notify the Consumer of Results ( 1681i ( a ) ( 6 ) ) TransUnion failed to provide me with any written results of the dispute reinvestigation, by mail or otherwise. Failure to Provide Verification ( 1681i ( a ) ) TransUnion did not provide the documentation or evidence I demanded to verify the accuracy of this account. Failure to Correct or Delete Inaccurate/Unverified Information ( 1681i ( a ) ( 5 ) ) Since TransUnion failed to verify or reinvestigate, the XXXX XXXX account must be deleted. Failure to Maintain Reasonable Procedures ( 1681e ( b ) ) By continuing to report inaccurate and unverified information without review, TransUnion is knowingly harming my credit profile. Resolution Demanded Because TransUnion has failed to meet its legal obligations, failed to provide documentation, failed to communicate by XXXX mail as required, and is continuing to report inaccurate and unverified information, I demand immediate corrective action. I demand immediate deletion of the XXXX XXXX account from my TransUnion credit file, as well as any other collection company due to either one not being verified by TransUnion.

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