Consumer complaint received 2025-06-07 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:
New Complaint Against TransUnion ( Follow-Up to # XXXX ) I am filing this new complaint against TransUnion LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., following my initial complaint ( # XXXX ) on XX/XX/XXXX. TransUnion has failed to investigate 33 disputed items on my credit report ( File Number : XXXXXXXX ) within the mandatory 45-day period, now 55 days since my dispute on XX/XX/XXXX ( expired XX/XX/XXXX ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), they must delete these items due to noncompliance.

I sent demand letters on XX/XX/XXXX ( delivered XX/XX/XXXX ), XX/XX/XXXX ( delivered XX/XX/XXXX ), and XX/XX/XXXX ( delivered XX/XX/XXXX ), with deadlines of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX XXXXXXXX, TransUnion emailed me, claiming they are in the process of working on my dispute with a potential XXXX timeline. This ignores their prior violation and my demands. Due to mailing delays, I will send a follow-up letter on XX/XX/XXXX, with a revised deadline of XX/XX/XXXX. Their attempt to restart the process is a stall tactic. 

Violations include : Failure to Investigate ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : No investigation within 45 days.

Failure to Notify Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : No evidence of notification.

Failure to Respond ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : No written notice provided.

Unreasonable Barriers ( 15 U.S.C. 1681g ( c ) ) : XX/XX/XXXX, stall letter demanded excessive documentation. 
Impact : Inaccurate reporting risks credit denials and higher rates, causing financial harm and emotional distress. Ive spent significant time pursuing resolution. 

Disputed Items : Incorrect personal info : XXXX XXXX Incorrect personal info : Bankruptcy XXXX XXXX  ( Case # XXXX ) Unauthorized inquiry : XXXX XXXXXXXX ( XX/XX/XXXX ) Unverified account : XXXXXXXX ( # XXXX ) Unverified account : XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX  ( # XXXX ) Unverified account : XXXX XXXX  ( # XXXX ) Unverified account : XXXX XXXX ( # XXXX, not mine ) Unverified account : XXXX XXXX XXXX ( # XXXX ) Incorrect personal info : XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX XXXXXXXX ( # XXXX ) Wrong amount : XXXX XXXX  XXXX ( # XXXX ) Duplicate account : XXXX XXXXXXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX ( # XXXX ) Wrong amount : XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX XXXX XXXX XXXX # XXXX ) Unverified account : XXXX ( # XXXX ) Unverified account : XXXX ( # XXXX ) Wrong amount : XXXX ( # XXXX ) Wrong amount : XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Wrong amount : XXXX XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX ( # XXXX ) Wrong amount : XXXX  XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX XXXX ( # XXXX ) Wrong amount : XXXX XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX XXXX ( # XXXX ) Unverified account : XXXX XXXX XXXX XXXX ( # XXXX ) Other info : 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