Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
This complaint is being filed by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, on behalf of XXXX XXXX, pursuant to a signed XXXX XXXX and XXXX XXXX XXXX. The complaint is directed against TransUnion for its willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) and its failure to correct or delete verified inaccuracies after multiple documented disputes. 

Despite TransUnions receipt of written disputes from the consumer dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the agency has continued to report an inaccurate late payment associated with XXXX XXXX account number XXXX, reflecting a late date of XX/XX/XXXX. TransUnion has failed to provide any verifiable documentation supporting the accuracy of this account, nor has it demonstrated compliance with the reinvestigation and deletion requirements outlined under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Furthermore, TransUnion has disregarded the clear prohibition set forth in 1681s-2 ( a ) ( 1 ) ( A ), which forbids furnishers from reporting data they knowor should knowto be inaccurate. 

This ongoing inaction reflects not an isolated error but a pattern of systemic neglect and deliberate disregard for consumer rights. The consumer has made repeated, good-faith attempts to resolve the matter directly with TransUnion, yet the inaccurate reporting remains uncorrected, continuing to harm his credit reputation and overall financial standing. The absence of transparent verification and TransUnions failure to conduct a reasonable reinvestigation within the statutory period constitutes willful noncompliance under 1681n and negligent noncompliance under 1681o. 

Accordingly, this complaint seeks immediate regulatory intervention. The complainant demands that TransUnion delete the inaccurate late payment entry for XXXX XXXX account XXXX XXXXXXXX, provide complete documentation of the verification method used, and identify the furnisher and individual responsible for confirming the disputed information. TransUnion should also issue written confirmation of correction or deletion, implement corrective measures to prevent similar FCRA violations, and ensure full compliance moving forward. Additionally, the consumer reserves the right to pursue recovery for all statutory, actual, and punitive damages resulting from TransUnions willful and negligent disregard of federal consumer protection laws. 

This complaint is being submitted by the authorized representative, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, acting under written authorization from XXXX XXXX, who fully authorizes this filing and the enforcement of his consumer rights under the FCRA and related statutes. 
XXXX XXXX XXXXXXXX

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