Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I am filing this formal complaint against Transunion and Equifax for intentionally reporting inaccurate information on my credit report, causing significant harm to my financial standing and creditworthiness. Despite my efforts to correct this issue, the bureaus actionsor lack thereofdemonstrate a willful disregard for my consumer rights and constitute violations of the Fair Credit Reporting Act ( FCRA ). Moreover, I have reason to believe this conduct is intentional. XXXX  credit bureau investigated the same dispute and removed the debt entirely from my report confirming its inaccuracy. This persistent and deliberate reporting of false information has caused me significant harm, including Transunion recently reporting my XXXX account 90 days late, reporting you verified the debt with the US Dept Of Education in collections. You will notice major differences with both these accounts. What XXXX  is reporting is accurate then what Transunion and Equifax are reporting. Transunions and Equifax actions violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the accuracy and integrity of consumer credit reporting. Specifically : 1. * * Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) : * * The FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed information within 30 days ( or 45 days if additional information is provided ) and to delete or correct information found to be inaccurate, incomplete, or unverifiable. Transunion and Equifax have failed to adequately investigate my dispute or remove the inaccurate information, despite being provided with clear evidence of its inaccuracy. 2. * * Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) : * * The FCRA mandates that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. By continuing to report information that is demonstrably falseand which another bureau has already removedXXXX. Both Equifax and Transunion are in violation of this requirement. 3. * * Willful Non-Compliance ( 15 U.S.C. 1681n ) : * * The FCRA allows consumers to seek damages for willful violations, including punitive damages and attorneys fees. Transunions and Equifax refusal to correct the inaccurate information, despite clear evidence and the resolution of the same issue by another bureau, suggests intentional or reckless disregard for its legal obligations, constituting a willful violation of the FCRA. 4. * * Failure to Provide Dispute Results ( 15 U.S.C. 1681i ( a ) ( 6 ) : * * The FCRA requires credit reporting agencies to provide written results of a dispute investigation to the consumer, Transunion and Equifax have not provided me with written results of their investigation, are both denying me access to my credit reports via annual credit report.com and on their own websites. further violating my rights. These consequences have disrupted my financial stability and caused undue stress, which could have been avoided had Transunion and Equifax complied with its legal obligations. I respectfully request that the Consumer Financial Protection Bureau take the following actions : 1. Investigate and Equifax practices regarding the handling of my dispute and their continued reporting of inaccurate information. 2. Compel Transunion and Equifax to immediately remove US Dept Of Education, and Transunion to remove XXXX account 90 day late payment recently reported in XXXX causing my Transunion score to decrease XXXX points on my credit report. Remove comment, creditor recently located consumer off of XXXX account as well since XXXX has been in contact with me via mail numerous times and was fully aware of my contact and mailing information. 4.Provide me with confirmation of the investigations outcome and any actions taken.

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