Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
Subject : Complaint Against TransUnion for FCRA Violations and Failure to Address Disputes Properly Details of Complaint : I have been diligently working to improve my credit, but I continue to encounter issues with TransUnion 's handling of my credit report. TransUnion 's actionsor lack thereofseem to directly violate key provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 USC 1681e ( b ) : Failure to ensure the accuracy of the information reported.

15 USC 1681s-2 : Neglect in correcting inaccurate or incomplete information provided by furnishers.

15 USC 1681i ( a ) ( 5 ) ( B ) : Failure to prevent the reinsertion of previously deleted information without notifying me as required.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a clear explanation of the results of an investigation into disputed information.

15 USC 1681c ( c ) : Improper handling of obsolete information. 
Despite multiple disputes Ive filed with TransUnion to address inaccuracies in my credit report, Ive faced repeated issues, including : Sham investigations : TransUnion does not properly investigate disputes. Instead, they rely on inaccurate or improbable responses from furnishers without thoroughly reviewing consumer-submitted evidence. 
Reinsertion of disputed items : Accounts that were previously removed after disputes have been improperly reinserted under new furnishers, contrary to FCRA guidelines. TransUnion has also failed to provide required notices or certifications of accuracy under 15 USC 1681i ( a ) ( 5 ) ( B ).

Lack of transparency : TransUnion has provided vague, confusing, or incomplete dispute resolution notices that fail to clarify the outcomes or actions taken regarding my disputes, violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ).

Specific Accounts and Issues : Below are examples of accounts and errors that TransUnion has failed to address appropriately : XXXX XXXX XXXX  ( Account No : XXXX ) This collection account was reported inaccurately and remains on my report despite disputes. 
XXXX XXXX XXXX ( Account No : XXXX ) Disputed for accuracy, but TransUnion has failed to remove or correct this erroneous account. 
XXXX XXXX XXXX ( Account No : XXXX ) Despite submitting evidence that this debt does not belong to me, the account remains listed.

These errors negatively impact my credit score, limiting my access to credit, employment, and housing. My current FICO Score of XXXX does not accurately reflect my financial history due to these unresolved issues. 

Relevance to FCRA Compliance Issues : TransUnions failure to ensure accurate reporting, provide proper dispute resolutions, prevent the reinsertion of incorrect information, and issue clear explanations demonstrates systemic issues in their compliance with the FCRA. Their actions, or lack thereof, directly contradict federal consumer protection laws and further harm consumers financial stability and opportunities.

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