Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB Investigator, I am writing to formally file a complaint against TransUnion LLC for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) and their refusal to correct or delete inaccurate and unverifiable information from my credit report, despite my timely and detailed disputes. 

On [ Insert Date ], I submitted a written dispute to TransUnion challenging the accuracy and validity of several accounts currently being reported. These accounts include charge-offs and late payments that do not reflect accurate or verifiable reporting. My dispute letter included clear explanations, applicable legal references, and a request for reinvestigation under FCRA 1681i and 1681s-2. However, TransUnion has either failed to respond adequately or continued to report these items without proper verification. 

The following accounts were disputed : XXXX XXXX # XXXX This account is inaccurately reporting a late payment on a balance of just {$25.00}. No evidence or billing history was provided to support this derogatory status. 

XXXX XXXX XXXX XXXX A late payment is being reported on a {$0.00} balance account, which is both inaccurate and misleading. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A charge-off is being reported, but TransUnion failed XXXX provide any verification or documentation to confirm the legitimacy, delinquency timeline, or amount of the charge-off. 

XXXX XXXX # XXXX This account includes a charge-off with multiple Metro 2 compliance violations, including inconsistencies in the date of first delinquency and the reporting balance. 

XXXX XXXX XXXX XXXX TransUnion is reporting this as a charge-off but has not validated the debt or provided any notice or documentation to substantiate the claim. 

XXXX XXXX XXXXXXXX This account is reporting a late payment on a {$0.00} balance, which violates Metro 2 accuracy standards and is misleading to potential lenders. 

XXXX XXXX XXXX XXXXXXXX This account shows a charge-off, yet lacks accurate date tracking and itemized statements, making verification impossible. 

Despite my request for a full reinvestigation, TransUnion has failed to delete or correct these entries or provide sufficient evidence to justify continued reporting. This is a clear violation of FCRA 15 U.S.C. 1681i ( reinvestigation of disputes ) and 1681e ( b ) ( reasonable procedures to ensure maximum possible accuracy ). Additionally, their failure to comply with Metro 2 guidelines constitutes inaccurate and incomplete reporting. 

This inaccurate reporting is damaging my creditworthiness, affecting my ability to obtain credit, housing, and other essential opportunities. I am requesting the CFPBs intervention to hold TransUnion accountable for their failure to follow federal law and industry standards. 

Relief Requested : Immediate deletion of all inaccurate or unverified accounts listed above A full reinvestigation of each item in accordance with FCRA guidelines A written confirmation of all actions taken Monitoring to ensure TransUnion adheres to its legal obligations moving forward Thank you for your time and attention to this serious matter. I respectfully request swift resolution and enforcement of the protections afforded to me under the Fair Credit Reporting Act.

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