Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
RE : Dispute Closure Without Correction Verified and Accurate Claim in Conflict with Other Credit Bureaus Updates This is a formal complaint regarding TransUnions willful failure to correct inaccurate credit information after I provided sufficient evidence of reporting errors, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. 

On XX/XX/year>, I disputed inaccurate reporting of XXXX XXXX. Both XXXX and XXXX  have since updated their records to reflect the correct and accurate account information in accordance with the documentation provided by me and confirmed by the account holder. However, TransUnion has closed my dispute as verified and accurate without making any correction despite evidence proving otherwise. 

In addition to XXXX XXXX, I submitted a dispute in regards to the student loans late payments being reported. Again, Transunion has not updated to reflect current. The orignial debtor recognized the errors and has since updated XXXX and XXXX 

This action constitutes : Violation of FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

Violation of FCRA 1681e ( b ) Failure to maintain maximum possible accuracy in reporting.

Violation of FCRA 1681i ( a ) ( 5 ) ( A ) Failure to promptly delete or modify inaccurate information after reinvestigation.

Violation of Metro 2 Compliance Guidelines By maintaining knowingly false or inconsistent data, TransUnion is breaching the uniform reporting standards required of data furnishers and credit bureaus. 

The inaccuracy in your reporting is directly damaging my creditworthiness and impairing my ability to obtain mortgage financing for the purchase of a home. My lender has informed me that this derogatory and incorrect reporting is a deciding factor in my loan qualification, interest rate eligibility, and total borrowing capacity. By refusing to correct this error, TransUnion is knowingly obstructing my ability to secure housing and forcing me into financial harm.

Demand for Remedy : Given TransUnions refusal to update the information despite clear proof and the corrections made by the other two major bureaus, I am demanding immediate deletion of the disputed account from my credit file pursuant to FCRA 1681i ( a ) ( 5 ) ( A ). Failure to delete inaccurate information after verification from both the f
urnisher and other credit reporting agencies is a willful violation subject to statutory damages, punitive damages, and attorneys fees under FCRA 1681n.

If these accounts are not removed within 4 days of receipt of this letter, I will escalate my complaint to : Consider civil action for willful noncompliance under FCRA as I have already filed a complaint with the below agencies in accordance with my right to do so. 

The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office This is your final opportunity to comply before formal legal remedies are pursued.

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