Consumer complaint received 2025-07-10 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:
I am filing this formal complaint against TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ), for failing to ensure accurate reporting and for failing to correct or delete disputed information that could not be properly verified.

On XXXX XXXX XXXX, I submitted a dispute to TransUnion again after previous attempts, regarding multiple inaccurately reported accounts, including those from XXXX XXXX ( account numbers ending in XXXX and XXXX ) and XXXX XXXX XXXX account numbers ending in XXXX and XXXX ). These accounts contain multiple errors, such as incorrect or missing credit limits, conflicting opening dates, misreported high balances, and inconsistencies with data reported by XXXX XXXX XXXX 

Despite providing detailed evidence of these inaccuracies, TransUnion responded on XX/XX/2025, stating the information was verified as accurate. However, they failed to address the specific discrepancies I raised and made no corrections. Instead, they included vague language indicating that information unrelated to your dispute has been updated, while keeping the inaccurate information unchanged.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. TransUnion has clearly failed to meet this standard. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), if disputed information can not be verified within the reinvestigation period, it must be deleted. As of today, the errors remain on my credit file with no documentation provided to support the continued reporting. 

I also have an active CFPB complaint already filed against TransUnion for this same matter. However, due to their continued refusal to correct or delete clearly inaccurate and unverifiable informationnow labeled as verifiedI am requesting immediate intervention and resolution. Their actions show a pattern of noncompliance and disregard for the reinvestigation requirements of the FCRA. 

Attached are supporting documents, including my original dispute letter, screenshots showing inaccurate and conflicting data across credit bureaus, the follow-up dispute submitted on XX/XX/2025, and TransUnions response XXXX XX/XX/2025. 

I respectfully request that the CFPB : Investigate TransUnions failure to comply with 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) Compel TransUnion to delete the disputed accounts due to failure to verify or correct them Enforce appropriate penalties to prevent future harm to consumers due to negligent or willful noncompliance Expedite a resolution given the existing complaint and ongoing damage being caused by their inaction I have made every effort to resolve this matter directly with TransUnion. I now turn to the CFPB to protect my rights under federal law. 

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