Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It XXXX Concern I am submitting this formal complaint against TransUnion for their continuous and willful failure to maintain accurate, complete, and verifiable information on my credit report as required under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. Despite previous disputes, TransUnion has neglected its legal obligations by failing to remove or correct inaccurate and unverifiable information. This constitutes a violation of federal law and has caused me XXXX XXXX XXXXncluding denial of credit, XXXX XXXX XXXX XXXX XXXX. My rights under FCRA XXXX ( XXXX ), XXXX ( b ) ( XXXX ( b ) ), and XXXX ( A ) ( XXXX ( a ) ( XXXX ) ) are being violated, and I am requesting urgent intervention by the CFPB XXXX XXXX Acct XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$4300.00} Status : Collection this account is being reported inaccurately by TransUnion as a collection account with a XXXX  balance, without proper verification or validation. I never received any written validation notice from the original creditor or collector under XXXX XXXX XXXX. Additionally, this account does not belong to me and is possibly a result of identity theft or misreporting. TransUnion failed to properly investigate my dispute as required under XXXX XXXX XXXX and has allowed unverifiable data to remain on my report, which violates FCRA XXXX ( b ) requiring the maintenance of maximum possible accuracy. The ongoing reporting of this account is damaging my credit standing and causing unjust denials for financial opportunities TransUnion has a legal duty to ensure that all items on a consumer credit file are complete and accurate, and to delete unverifiable information after a reasonable investigation. I provided sufficient documentation to initiate a reinvestigation, but TransUnion failed to respond appropriately. This willful non-compliance and reckless disregard of federal law is unacceptable. My current CFPB complaint remains open and unresolved, and I have not yet filed an FTC Identity Theft Report, but I am considering it if this matter is not immediately resolved I respectfully request that the CFPB demand TransUnion to conduct a lawful and thorough reinvestigation, permanently delete the inaccurate XXXX XXXX  collection account from my credit report, and provide confirmation in writing. I also request that TransUnion be held accountable for failing to uphold their obligations under federal law, including possible civil liability under XXXX XXXX Code XXXX and XXXX for willful and negligent noncompliance I am requesting relief, including the immediate deletion of the inaccurate account, a full investigation report, and assurance that my file will be permanently corrected in compliance with the FCRA. Thank you for your urgent attention to this matter

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