Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this complaint against TransUnion for continuously reporting inaccurate, misleading, and unverifiable information on my credit report. Despite previous dispute attempts, TransUnion has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ), by not properly investigating or correcting these inaccuracies. The accounts listed below are inaccurately reported and are damaging my creditworthiness unfairly. 
Disputed Accounts with Details : XXXX. XXXX XXXX XXXXXXXX Account # : XXXX * * * High Balance : {$260000.00} Date Opened : XX/XX/XXXX Issue : Repeated Late Payments reported FCRA Violation : 15 U.S.C. 1681i ( a ), 1681e ( b ) failure to ensure maximum possible accuracy and reinvestigate disputed data Story : I have previously disputed these late payments, which are inaccurate and were caused by internal servicing errors acknowledged by the lender in communications. TransUnion failed to correct or investigate the matter properly. 
XXXX. XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$420.00} Date Opened : XX/XX/XXXX Issue : Reported as Charge-Off FCRA Violation : 15 U.S.C. 1681s-2 ( b ), 1681e ( b ) Story : This account was settled in full through a payment agreement prior to the charge-off being posted. Reporting it as charged-off is misleading, inaccurate, and materially harms my credit profile. TransUnion has failed to validate this data upon dispute. 
XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$880.00} Date Opened : XX/XX/XXXX Issue : Late Payments reported FCRA Violation : 15 U.S.C. 1681i ( a ), 1681e ( b ) Story : The late payments stem from a period when I was under financial hardship and had requested a hardship plan. The creditor agreed to accommodate, yet the account continued to report lates. TransUnion ignored my submitted documentation during disputes. 
XXXX. XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$240.00} Date Opened : XX/XX/XXXX Issue : Late Payments FCRA Violation : XXXX U.S.C. 1681s-2 ( b ), 1681e ( b ) Story : The reported delinquencies are inaccurate and do not reflect the actual payment history. I submitted proof that payments were made timely ; however, TransUnion failed to update or correct the record accordingly. 
XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Issue : Late Payments FCRA Violation : 15 U.S.C. 1681i ( a ) Story : XXXX XXXX had already agreed to remove the late payments as a goodwill adjustment due to long-standing positive payment history. TransUnion continues to report these late payments despite several requests for correction. 
XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$760.00} Date Opened : XX/XX/XXXX Issue : Late Payments FCRA Violation : 15 U.S.C. 1681s-2 ( b ) Story : These lates were disputed and proven to be errors by the servicer. TransUnion failed to perform a reasonable reinvestigation and continues to misreport this account. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$84000.00} Date Opened : XX/XX/XXXX Issue : Late Payments FCRA Violation : 15 U.S.C. 1681e ( b ) Story : During XXXX forbearance periods and extended XXXX XXXX protections, no late payments should have been reported. TransUnion is reporting late activity during federally protected forbearance periods. 
XXXX. XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7700.00} Date Opened : XX/XX/XXXX Issue : Charge-Off FCRA Violation : 15 U.S.C. 1681s-2 ( b ) Story : This account was settled, and I have documentation confirming this. Reporting it as charged-off misrepresents the account 's status and misleads future lenders. TransUnion ignored multiple dispute attempts. 
Request for Relief : I respectfully request the CFPB to investigate TransUnion for repeated violations of my rights under the Fair Credit Reporting Act. I am requesting the following actions : 1. Immediate deletion or correction of the inaccurate and unverifiable accounts listed above.

2. A formal explanation from TransUnion regarding why these accounts were not investigated and corrected despite proper disputes. 
XXXX. XXXX that my consumer report will be corrected to reflect accurate and verified data only. 
Applicable Laws Violated : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information.

15 U.S.C. 1681e ( b ) : Failure to maintain accuracy.

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