Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against TransUnion for Inaccurate Credit Reporting XXXX XXXX XXXX  ( Account # XXXX ) Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against TransUnion for its continued reporting of inaccurate and unverified information concerning a collection account placed by XXXX XXXX XXXX, referenced under account number XXXX. 

Despite multiple good-faith efforts to dispute this account and request debt validation from both TransUnion and XXXX XXXX XXXX XXXX the incorrect information remains on my credit report without correction or justification. 

Under 15 U.S.C. 1681s-2, furnishers of credit information are legally required to report only accurate data and to correct or delete any information found to be inaccurate or unverifiable upon receiving notice of a dispute. The continued reporting of this account suggests that neither TransUnion nor XXXX XXXX XXXX is in compliance with this federal requirement. 

Further, 15 U.S.C. 1681e ( b ) obligates consumer reporting agencies to employ reasonable procedures to ensure the maximum possible accuracy of the data they furnish. TransUnions ongoing failure to address this discrepancy demonstrates a clear lack of adherence to this statutory obligation. 

Additionally, under 15 U.S.C. 1681i, TransUnion must conduct a reasonable investigation within XXXX  days of receiving a formal dispute. To date, no meaningful investigation appears to have been conducted, and no verifiable documentation has been provided to substantiate the validity of the alleged debt. The responses I have received from both TransUnion and XXXX XXXX XXXX have been vague, insufficient, and noncompliant. 

My Requests : A full and independent investigation by the Consumer Financial Protection Bureau into TransUnions handling of this account and the procedures used to verify the accuracy of the reported information. 

A formal correction or removal of the XXXX XXXX XXXX account from my credit report if it can not be properly validated with appropriate documentation. 

A complete and detailed disclosure of my Credit Management Information ( CMI ) file as maintained by TransUnion. 

Given the CFPBs role in enforcing the Fair Credit Reporting Act ( FCRA ) and protecting consumers from unlawful or negligent credit reporting practices, I respectfully request that your office hold TransUnion accountable for its failure to comply with federal legal standards. 

Thank you for your time and attention to this matter. I am prepared to provide any supporting documentation you may require to assist in your investigation. 

Sincerely, XXXX XXXX XXXX

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 explanation