Consumer complaint received 2025-01-26 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:
Failure to conduct a proper investigation on a credit report '' refers to a violation under the Fair Credit Reporting Act ( FCRA ) where a credit reporting agency or information furnisher does not adequately investigate a consumer 's dispute regarding inaccurate information on their credit report, potentially leading to legal liability for the agency or furnisher. 
The FCRA mandates that both credit reporting agencies and information furnishers ( like banks or lenders ) must reasonably investigate any disputes raised by consumers regarding their credit information. If a credit reporting agency or furnisher fails to properly investigate a dispute, they can be held liable for damages under the FCRA, including actual damages and attorney fees, if the consumer takes legal action. 

It has been brought to my attention that TransUnion has been conducting sham investigations and illegally conducting business. 

I have been negatively impacted by these poor /illegal business practices which are conducted by TransUnion Which has drastically affected my life in a negative way. These poor business practices have hurt my chances of having accurate credit scores after receiving responses to my earlier disputes that the accounts were verified. 

My family and I have been denied credit on numerous times as well as housing due to these poor investigations that allegedly resolved as verified. 

Quickly resolve this issue by delete these files immediately. 



TransUnion LLC /TransUnion has failed to follow the laws and guidelines outlined under the FCRA . Please note the following directly from the FCRA. The Fair Credit Reporting Act ( FCRA ) is designed to protect the privacy of consumer report information sometimes informally called credit reports and to guarantee that information supplied by consumer reporting agencies ( CRAs ) is as accurate as possible. If you report information about consumers to a CRA like a credit bureau, tenant screening company, check verification service, or a medical information service you have legal obligations under the FCRAs Furnisher Rule. Your responsibilities include : furnishing information that is accurate and complete, and investigating consumer disputes about the accuracy of information you provide. The Federal Trade Commission, the Consumer Financial Protection Bureau, and the federal banking agencies have each published a Furnisher Rule. The rules are identical in substance. The FTCs Rule is summarized here. If you are not subject to the FTCs jurisdiction, contact your regulator about your obligations. I have disputed and noticed various types of accounts within my credit report being reported inaccurately, incomplete and or not verified, after it was suppose to have been investigated by TransUnion. The accounts being reported inaccurately are included but not limited to : 1. ) Acct name XXXX XXXX  Original creditor XXXX total card XXXX XXXX XXXX  Date opened XXXX XXXX name XXXX XXXX Original creditor XXXXXXXX XXXX XXXX Date opened XX/XX/year> XXXX name XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX XXXX  Date opened XXXX XXXXAcct name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX Name -XXXX XXXX Original creditor -not listed XXXX XXXX XXXX name -XXXX XXXX Original creditor -not listed Date opened XXXX XXXX name -XXXX XXXX XXXX Original creditor -not listed Date opened XXXX XXXX name XXXX XXXX Original creditor -not listed Date opened XXXX Profit and loss write off 1. ) Acct name XXXX XXXX  Original creditor -XXXX  XXXXXXXX XXXX. Date opened : N/A

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