Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
CFPB Complaint XXXX XXXX vs. TransUnion File Numbers : XXXX, XXXX Date range : XXXX XXXX XXXX  To Whom It May Concern : I am filing this complaint against TransUnion for multiple and deliberate violations of the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to ensure accuracy of credit report data 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete disputed inaccurate information This complaint pertains to several derogatory accounts I formally disputed. Instead of correcting the inaccurate information, TransUnion responded with contradictory and evasive communications. Their actions show a clear manipulation of the dispute process, which is harming my credit and violating my rights under federal law. 


Accounts in Dispute XXXXXXXX XXXX XXXXXXXX XXXX XXXX " Disputed Information Updated '' on XX/XX/XXXX, but XXXX delinquencies from XXXX remain. 
No evidence was provided to justify continued negative reporting. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX Marked as " XXXX XXXX XXXXXXXX '' on XX/XX/XXXX, despite showing XXXX day delinquencies through XXXX, long after the account was closed. 
No supporting documentation included. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Marked as " XXXX XXXX XXXXXXXX '' with historical derogatory data preserved through XX/XX/XXXX. 
Balance remains at {$10000.00}. This is inaccurate and harmful. 

XXXX XXXX XXXX XXXX Marked as " XXXX XXXX XXXX and Updated, '' but XXXX late payments continue to show on XX/XX/XXXX and XX/XX/XXXX. 
The balance is {$9800.00}. No proof of reinvestigation was included. 

XXXXXXXX XXXX XXXX XXXXXXXX Updated, yet still shows XXXX day delinquency as of XX/XX/XXXX, and past due balance of {$30000.00}. 
This reporting is inaccurate due to an active modification process. 

XXXX XXXXXXXX XXXX XXXX XXXX " Verified as XXXX XXXX XXXX XXXX, '' despite payment discrepancies and derogatory marks. 
Again, no documentation validating the investigation was supplied. 



Procedural Manipulation and Contradiction OnXXXX XXXX XXXX, TransUnion sent me a letter stating they could not process my dispute due to an unclear or illegible request ( File # XXXX ). 

However, onXXXX XXXXXXXX, XXXX, they issued a formal report with detailed investigation results related to the same dispute ( File # XXXX ). This proves that : My dispute was received and understood TransUnion deliberately attempted to block or delay the dispute process No verifiable investigation was actually conducted This manipulation tactic is part of a broader pattern where TransUnion pretends not to process a dispute while simultaneously issuing results that preserve derogatory reporting all without documentation or transparency. 


My Demand I respectfully demand the following : 1. Immediate and permanent deletion of the inaccurate information related to the accounts listed above 2. Full disclosure of the documentation used to verify these accounts 3. A formal compliance audit into how TransUnion processes disputes 4. Enforcement action under FCRA for repeated noncompliance I have physical copies of all the communications referenced, including the XX/XX/XXXX unable to process letter and the XX/XX/XXXX investigation results. I am ready to provide them upon request. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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