Consumer complaint received 2025-03-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX, Iowa XXXX. 

Subject : Formal Complaint Against TransUnion for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion regarding multiple violations of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that TransUnion has failed to report accurate information on my credit report, and has not taken reasonable steps to correct inaccuracies despite my repeated requests. 

As stated in the FCRA, credit reporting agencies ( CRAs ) are required to maintain accurate consumer credit information and to investigate and correct any disputed inaccuracies. I have provided TransUnion with all necessary supporting documentation to update and modify the inaccurate information on my credit report. However, they have not complied with their obligations under the FCRA. 

Specifically, I believe the following violations have occurred : XXXX. **Failure to Report Accurate Information** : TransUnion has not reported updated information regarding my account with First Progress Card, despite confirmation from them that my name was updated to XXXX XXXX XXXX XXXX This is a direct violation of Section 623 ( a ) ( 2 ) of the FCRA, which requires CRAs to provide accurate and complete information and to promptly update any changes.

2. **Inadequate Investigation of Disputes** : TransUnion has failed to properly investigate my disputes regarding the inaccuracies on my credit report. Under Section 607 ( b ) of the FCRA, CRAs are required to use reasonable procedures to ensure the accuracy of consumer reports. Their lack of action in this case indicates a failure to follow these procedures.

3. **Non-compliance with Reporting Guidelines** : In their previous communications, XXXX XXXX confirmed that they reported the updated information to all credit reporting agencies, including TransUnion. However, it appears that TransUnion has not reflected these updates in my credit report, which is again a violation of the FCRA. 

I have attached copies of previous complaint response letters from XXXX XXXX XXXX, which clearly indicate that they have updated my information and reported to all credit reporting agencies. This documentation should serve as evidence of TransUnion 's failure to comply with the reporting requirements mandated by law. 

I request that the Consumer Financial Protection Bureau take immediate action to address these violations and ensure that TransUnion fulfills its legal obligations under the Fair Credit Reporting Act. I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,

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 explanation