Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : XXXX XXXX XXXX TransUnion and XXXX for FCRA Violations Dear CFPB, I am writing to formally file a complaint against TransUnion and Equifax for violations of the Fair Credit Reporting Act ( XXXX ) under XXXX XXXX Code XXXX and other relevant sections. Despite my repeated efforts to ensure the accuracy of my credit report, both agencies have failed to adhere to the standards set forth by the FCRA, leading to significant harm to my creditworthiness and financial standing. 

**Details of the Complaint : ** XXXX. **Negligence in XXXX XXXX XXXX : ** Both TransUnion and Equifax have negligently failed to comply with the requirements of the FCRA XXXX Specifically, they have refused to report accurate information regarding my accounts. Enclosed is a letter from XXXX XXXX XXXX confirming that these agencies have not included my account information in my credit report. 

XXXX. XXXX XXXX : ** I have also experienced incomplete reporting of my credit history. Certain accounts were deleted from my credit report without justification, which has shortened my credit history and adversely affected my XXXX XXXX. This behavior is a clear violation of FCRA XXXX ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

XXXX. XXXX XXXX of Disputes : ** I have filed disputes regarding inaccurate information on my credit report, yet both agencies failed to conduct thorough investigations as required by the FCRA XXXX Their processes limited my ability to articulate the discrepancies effectively, and they often ignored relevant information I provided. This disregard for consumer rights reflects systemic issues within their reporting practices. 

XXXX. **Previous Violations and Consequences : ** Furthermore, I am aware of the CFPBXXXX previous actions against Equifax XXXX including the {$15.00} XXXX penalty for improper investigations of credit reporting errors. This history raises concerns about the agencies ' commitment to compliance, and it is evident that these violations continue to harm consumers. 

Given these serious infractions, I urge the CFPB to take appropriate action against TransUnion and Equifax for their continued failure to comply with the FCRA. Consumers deserve accurate credit reporting and fair treatment, and these agencies must be held accountable for their actions. 

I appreciate your attention to this matter and look forward to your prompt response. Enclosed are copies of all relevant documents, including correspondence with both agencies and evidence of the inaccuracies in my credit report. 

Thank you for your assistance. 

Sincerely,

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 explanation