Consumer complaint received 2025-10-09 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:
CFPB Escalation Addendum Expanded Case # : XXXX Complainant : XXXX XXXX Date XXXX XX/XX/XXXX Update Regarding XXXX  XXXX & TransUnion Reporting I am submitting this expanded addendum to my CFPB complaint regarding XXXX XXXX inaccurate reporting of account # XXXX. 

Despite multiple disputes, CFPB complaints, and a XXXX  complaint, the derogatory reporting remains uncorrected on TransUnion, and both XXXX  XXXX and TransUnion have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Summary of Key Issues Continued Inaccuracy on TransUnion My XX/XX/XXXX 3-bureau report ( Exhibit C ) shows : TransUnion reports the account as currently 30 days late ( XXXX ) despite being paid in full on XX/XX/XXXX. 

XXXX  and XXXX  correctly report the account as closed, paid, and current no delinquency. 

This discrepancy remains unaddressed. If XXXX XXXX truly furnished identical information to all three CRAs, this inconsistency would not exist. 

Boilerplate CFPB Responses No Substantive Investigation In CFPB cases XXXX and XXXX ( Exhibit E ), XXXX XXXX  again issued generic responses claiming : They found no inaccuracies. 

They furnish the same information to all three bureaus. 

They failed to address the specific issue the 30-day delinquency showing only on TransUnion and provided no documentation showing the actual data furnished. 

Failure to Provide Documentation Across all CFPB responses, XXXX XXXX has never supplied : The data fields they furnished to each CRA, The basis for verifying the 30-day late status, or An explanation for why the reporting differs between TransUnion and the other bureaus.

Regulatory Noncompliance FCRA 1681s-2 ( a ) ( 1 ) ( A ) & ( b ) : Furnishers must not furnish information they know or should know is inaccurate, and must conduct reasonable investigations and correct errors once notified.

FCRA 1681i ( c ) : When a consumer disputes an item, the CRA must clearly mark the item as in dispute.

FCRA 1681s-2 ( a ) ( 3 ) : Furnishers must also notify CRAs that information is disputed. 

Violation : Neither XXXX XXXX nor TransUnion has ever marked this account as disputed on my credit file, despite multiple disputes filed over several years. This is a clear regulatory violation. 

Pattern of Evasion and Noncompliance XXXX XXXX has now had multiple opportunities to address this issue through disputes, CFPB complaints, and XXXX  mediation. 

Their repeated boilerplate responses, lack of documentation, and refusal to address the specific TransUnion error show a systemic failure to comply with FCRA responsibilities. 

TransUnion has likewise failed to conduct a meaningful reinvestigation or mark the tradeline as disputed, as required by law. 

Requested CFPB Action Given the extensive history of disputes and repeated noncompliance, I respectfully request the CFPB to : Compel XXXX XXXX to produce the exact data furnished to each CRA for this account, including status codes, payment history, and remarks. 

Compel TransUnion to produce their reinvestigation records and explain why the account continues to reflect an active 30-day delinquency despite proof of payoff.

Enforce compliance with FCRA 1681i ( c ) and 1681s-2 ( a ) ( 3 ) for failure to mark the tradeline as disputed. 

Require correction or deletion of the inaccurate tradeline across all CRAs to reflect : Paid in full, {$0.00} balance, closed in good standing, no delinquency at payoff ( XX/XX/XXXX ). 

Consider supervisory or enforcement action against both parties for repeated failure to comply with their statutory duties. 

Attached Exhibits Exhibit A XXXX XXXX CFPB response ( XX/XX/XXXX ). 

Exhibit B XXXX XXXX  letter ( XX/XX/XXXX ). 

Exhibit C 3-bureau credit report ( XX/XX/XXXX ). 

Exhibit D XXXX XXXX final XXXX  response ( XX/XX/XXXX ). 

Exhibit E XXXX XXXX CFPB responses in cases XXXX and XXXX. 

Sincerely, XXXX XXXX

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