Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Let me start by saying this : if TransUnion had simply followed proper FCRA procedures the first ( or even the fifth ) time I submitted this dispute, I wouldnt be filing this complaint yet again. 

Apparently it calls for a newly submitted complaint on the cfpb platform and countless disputes to get a response! 

On XX/XX/XXXX, I refiled my dispute regarding a false tradeline reported by XXXX XXXX. Rather than respond with transparency and professionalism through the CFPB platform where I explicitly requested any verification materials be shared TransUnion stated that they would mail their investigation results to me instead. That was well over month ago. 

To date, I have received absolutely nothing in the mail. 

This move appears to be nothing more than a delay tactic and an attempt to sidestep accountability by avoiding putting anything on record through this complaint portal. Convenient, but also telling. 

Lets be clear : The account in question is not mine I submitted verifiable documentation, including my XXXX  order, receipt of payment, and the name of the actual company I hired please pay attention to the attached! 

XXXX  has already removed this tradeline not even being given the same documentation Im now giving you. Theres no excuse for TransUnion to still be investigating or worse hiding behind a mysterious mailing process that conveniently produces no evidence and no results. 

Under the Fair Credit Reporting Act, TransUnion is required to perform a reasonable investigation, which includes acknowledging and reviewing consumer-provided evidence. Repeatedly verifying a false account without producing proof or timely communication is not a reasonable investigation its negligence. 

This is now a pattern of avoidance. And unless this item is fully deleted immediately, I will consider this a willful violation of the FCRA and proceed accordingly. 

Lets call this what it is a stall tactic, designed to avoid accountability while pretending to comply. But make no mistake, this kind of avoidance doesnt erase legal responsibility under the Fair Credit Reporting Act ( FCRA ). 


So either TransUnion is deliberately ignoring evidence, or your idea of a reasonable investigation involves zero follow-up and zero documentation. Either way, thats a violation of federal law and if this item is not immediately deleted, I will escalate.

That includes : Filing a formal FCRA lawsuit with statutory and punitive damages Naming TransUnion directly in complaints to the FTC and State Attorney General Retaining a consumer protection attorney to pursue damages for the ongoing harm The fact that TransUnion has ignored all this and failed to respond for over 30 days is unacceptable and noncompliant with the FCRA. You are not above the law, and this pattern of delay is now bordering on willful negligence Consider this your final opportunity to do what should have been done long ago. I suggest you take it because the next response wont be a complaint, it will be a summons.

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