Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint against TransUnion due to their ongoing failure to address my disputes and ensure accurate reporting on my credit report, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I mailed a dispute letter to TransUnion dated XX/XX/XXXX requesting an investigation into 13 inaccurate accounts and a XXXXr XXXX bankruptcy on my credit report : XXXXXXXX XXXX ( Account Numbers : XXXX [ Account 1 ], XXXX [ Account 2 ], XXXX [ Account 3 ], XXXX [ Account 4 ] ), XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXXXXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  XXXX ( Account Number : XXXX ), XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ), and a XXXX  XXXX bankruptcy ( Reference Number : XXXX ). I included all required documentation to verify my identity, including copies of my ID, Social Security card, and proof of address. Despite this, TransUnion did not respond to my dispute. 
Subsequently, I filed a CFPB complaint regarding this issue, but TransUnions response was inadequate and failed to resolve the matter. As of today, my TransUnion credit report continues to reflect discrepancies, incomplete data, and missing information related to the disputed accounts and bankruptcy. I am mailing another dispute letter to TransUnion dated XX/XX/XXXX, demanding the removal of the following inaccurate accounts and public record : - XXXX XXXX XXXX XXXX ( Account 1 ) : TransUnion includes a remark that says " XXXX XXXX bankruptcy, '' which is untrue as XXXX reports " Account has been closed due to inactivity '' ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX - XXXX : TransUnion and XXXX report the account number as XXXX, while XXXX reports it as XXXX ; high balance on TransUnion and XXXX is {$1200.00}, but XXXX reports {$5000.00} ; TransUnion reports the date of last activity as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; TransUnion reports the date opened as XX/XX/XXXX, XXXX and XXXX report XX/XX/XXXX ; payment status on TransUnion says " Unknown, '' XXXX says " Late 60 Days, '' and XXXX says " Current '' ; TransUnion is not reporting anything in the 2-year payment history ; all bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX - XXXX ( Account 2 ) : TransUnion reports the date of last activity as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; TransUnion reports the date opened as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; payment status on TransUnion says " Unknown, '' XXXX says " Late 30 Days '' ; TransUnion is not reporting anything in the 2-year payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX - XXXX : TransUnion reports the date of last activity as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; TransUnion reports the date opened as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; payment status on TransUnion says " Unknown, '' XXXX says " Late 30 Days '' ; TransUnion is not reporting anything in the 2-year payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX XXXX XXXXXXXX ( Account 3 ) : TransUnion reports the date of last activity as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; TransUnion reports the date opened as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; payment status on TransUnion says " Unknown, '' XXXX says " Late 60 Days '' ; TransUnion is not reporting anything in the 2-year payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX XXXX XXXXXXXX : TransUnion reports the date of last activity as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; TransUnion reports the date opened as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; payment status on TransUnion says " Unknown '' ; TransUnion is not reporting anything in the 2-year payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX XXXX - XXXX : TransUnion reports the date opened as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; payment status on TransUnion says " Unknown, '' XXXX says " Collection/Chargeoff '' ; TransUnion is not reporting anything in the 2-year payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX  XXXX - XXXX : TransUnion reports the account number as XXXX XXXX reports it as XXXX ; TransUnion reports the date of last activity as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; TransUnion reports the date opened as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; payment status on TransUnion says " Unknown, '' XXXX says " Late 30 Days '' ; TransUnion is not reporting anything in the 2-year payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX - XXXX : TransUnion reports the date of last activity as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; TransUnion reports the date opened as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; payment status on TransUnion says " Unknown, '' XXXX says " Late 30 Days '' ; TransUnion is not reporting anything in the 2-year payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXXXXXX XXXX XXXX XXXXXXXX ( Account 4 ) : TransUnion reports the date of last activity as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; TransUnion reports the date opened as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; payment status on TransUnion says " Unknown, '' XXXX says " Current '' ; TransUnion is not reporting anything in the 2-year payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX - XXXX : Date of last activity on TransUnion is XX/XX/XXXX, XXXX reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX ; TransUnion reports the date opened as XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX ; XXXX reports the account rating as " Open, '' while XXXX and TransUnion report " Derogatory '' ; XXXX reports the account status as " open, '' while TransUnion and XXXX report " closed '' ; payment status on TransUnion and XXXX says " Unknown, '' but XXXX says " Collection/Chargeoff '' ; TransUnion reports the date of last payment as XX/XX/XXXX, while XXXX reports XX/XX/XXXX ; TransUnion is not reporting the 2-year payment history ; all bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX XXXX XXXX XXXX XXXXXXXX : TransUnion reports the date of last activity as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; TransUnion reports the date opened as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; payment status on TransUnion says " Unknown, '' XXXX says " Current '' ; TransUnion is not reporting anything in the 2-year payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX  XXXX - XXXX : TransUnion reports the date of last activity as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; TransUnion reports the date opened as XX/XX/XXXX, XXXX reports XX/XX/XXXX ; payment status on TransUnion says " Unknown, '' XXXX says " Late 90 Days '' ; TransUnion is not reporting anything in the 2-year payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- Public Record - Reference Number XXXX : TransUnion reports the reference number as " XXXX, '' while XXXX reports " XXXX '' ; TransUnion lists the XXXX as " XXXX Bankruptcy XXXX, '' which is not a recognizable or specific court, XXXX lists it as " XXXX XXXX CT FL XXXX XXXX, '' which is not correct as XXXX records report the office as " XXXX XXXX XXXX '' XXXX XXXX as " XXXX XXXX '' ; the attorneys on XXXX are reported as " XXXX XXXX XXXXXXXX '' and " XXXX XXXX XXXX '' ; however, on XXXX, the court is listed as FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX says XXXX Represented By Attorney : No, which is not accurate, the attorney on XXXX is listed as XXXX XXXX XXXX XXXXXXXX, TransUnion has my bankruptcy attorney listed as XXXX XXXX , to reiterate, this was my original attorney but she passed away and was not the attorney that filed the bankruptcy, additionally, her name is misspelled, and both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes ; additionally, I received a response from XXXX dated XX/XX/XXXX, with results of a reseller dispute, where XXXX disputed the information on my behalf with each of the credit bureaus on XX/XX/XXXX and had not received a response, further proving this bankruptcy is unverifiable and that no investigation has been conducted as it continues to report inaccurately.

Under the FCRA, TransUnion is required to ensure all reported information is accurate and verifiable ( Sections 1681i and 1681e ( b ) ). Their failure to correct these inaccuracies, despite my prior disputes, violates these obligations. This ongoing issue is causing me significant harm by misrepresenting my creditworthiness, affecting my ability to secure credit, and causing financial distress.

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