Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions TransUnion consistently response within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of Investigation. 

This are the account that I've marked as inaccurate : Fingerhut/WebbankCLOSED Fingerhut/Webbank ( Revolving ) Accounts - negative accounts - closed - Summary XXXX XXXX, Charge-off TransUnion XXXX, Charged off as bad debt XXXX XXXX, Unpaid balance reported as a loss by credit grantor Balance {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX Usa ( Revolving ) Accounts - closed - Summary XXXX XXXX XXXX XXXX Pays account as agreed TransUnion XXXX, XXXX XXXX or paying as agreed XXXX XXXX, XXXX Account paid satisfactorily Balance {$0.00} {$0.00} XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX summary XXXX XXXX Account Number XXXX XXXX TransUnion XXXX XXXX Account Number XXXX Collection account XXXX XXXX XXXX, XXXX Account Number XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Current Balance {$550.00} {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections - summary Account Number XXXX Agency Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX XXXX Unpaid Comments Consumer disputes this account XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX to attorney, collection agency, or credit grantor 's public collection department Account Information Disputed By Consumer {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections - summary Account Number XXXX XXXX Original Lender XXXX Unpaid Consumer disputes this account information, XXXX  TransUnion - XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Unpaid Consumer disputes this account information, XXXX  TransUnion - XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account Information XXXX By Consumer Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}

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