Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
Complaint Title : TransUnion Repeated Refusal to Transfer to U.S.-Based XXXX XXXX Department or Escalate File Disputes Company : TransUnion LLC Category : Credit reporting Problem with statement of dispute / incorrect information on your report What happened : I am filing this complaint due to TransUnions repeated and unlawful refusal to properly escalate my dispute and connect me with its U.S.-based Special Handling Department. 

Over multiple calls to TransUnions official customer service number ( XXXX ), I have requested to speak directly with a XXXX XXXX representative located in the United States regarding inaccurate and outdated tradelines appearing on my credit file. Each time, offshore representatives have refused to transfer me, explicitly stating they can not transfer to XXXX XXXX in the United States, before either disconnecting the call or directing me back to the online portal. 

This obstruction prevents me from exercising my right to a meaningful reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and constitutes willful noncompliance with the Acts requirement that credit reporting agencies maintain accessible and effective consumer dispute mechanisms. 

TransUnions refusal to escalate these disputes has resulted in the continued reporting of inaccurate and obsolete data, including : XXXX XXXX Account ( beginning XXXX ) : The creditor has confirmed this account was closed and purged in XXXX due to non-use. Yet, nearly six years later, TransUnion continues to report it as an open revolving account, which is false and misleading. I am demanding this tradeline be immediately updated to Closed Paid as Agreed. 
XXXX XXXX XXXXXXXX Account ( beginning XXXX XXXX  ) : This was an Authorized User account only, opened XX/XX/XXXX, and has been terminated. I am requesting full removal of this account from my TransUnion credit file immediately, as I have no ownership or liability for it. 

Relevant controlling authority confirms that credit reporting agencies must conduct independent and reasonable reinvestigations and ensure direct consumer access to proper dispute channels : Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXX Cir. XXXX ) A CRA may not rely solely on automated processes or a furnishers verification ; it must perform an independent and reasonable reinvestigation. 
Cortez v. Trans Union , LLC, 617 F.3d 688 ( XXXXXXXX XXXX XXXXXXXX ) TransUnion was held liable where its procedures prevented a consumer from reaching a U.S.-based representative capable of resolving inaccuracies, finding such conduct violated the FCRA. 

Despite these precedents, TransUnions customer service repeatedly refuses to connect me to XXXX XXXX or escalate the matter to any qualified U.S. agent capable of lawful reinvestigation. This behavior violates federal law and obstructs the consumers right to correct false or misleading credit information.

I request the CFPBs immediate intervention to ensure that : 1. My disputes are escalated to the U.S.-based XXXX XXXX Department for full review and correction ; 2. TransUnion ceases obstructing consumer access to proper FCRA dispute channels ; and 3. The inaccurate tradelines above are corrected in full compliance with 15 U.S.C. 1681i. 



Desired Resolution : Escalation to a U.S.-based XXXX XXXX representative.

Full reinvestigation of the XXXX and XXXX  XXXX XXXX tradelines. 
Written confirmation that both items have been corrected or removed.

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