Consumer complaint received 2025-10-13 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: VA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX Email : XXXX Phone : XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX XXXX XXXX XXXX Respondent : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX -- - Subject : Formal Complaint Failure to Correct Inaccurate Credit Reporting and Provide Method of Verification -- - Summary of Complaint I am submitting this complaint against TransUnion Consumer Solutions for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and failure to correct inaccurate and unverifiable credit reporting data, despite my prior formal dispute. 

TransUnion continues to report derogatory payment history and negative remarks for a XXXX XXXX XXXX account that has been paid in full and closed since XXXX. Despite my dispute and supporting documentation, the bureau refuses to remove or correct inaccurate entries and has failed to provide the legally required Method of Verification ( MOV ). 


-- - Disputed Account Details Creditor Name : XXXXXXXX XXXX XXXX  Account Type : Revolving / Credit Card Account Number ( partial ) : XXXX Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks Reported by TransUnion : Completed investigation of FCRA dispute consumer disagreed : Closed by XXXX XXXX. 


This information is inaccurate and misleading. The account is fully paid and closed, yet derogatory payment notations ( XXXX, XXXX, XXXX, and XXXX late ) and dispute-related remarks remain. 


-- - Violations TransUnions conduct constitutes clear violations of the Fair Credit Reporting Act ( 15 U.S.C. 607 ( b ), 611, and 623 ) : 607 ( b ) : Failure to ensure maximum possible accuracy in consumer reports.

611 ( a ) and ( a ) ( 7 ) : Failure to conduct a reasonable reinvestigation and provide a Method of Verification upon request.

611 ( a ) ( 5 ) ( A ) : Failure to delete or correct unverifiable information within the statutory 30-day period. 


I requested TransUnion to provide : 1. The name, address, and telephone number of the furnisher ( XXXX XXXX XXXX ) ; 2. Copies of all documents or records used in verification ; and 3. Confirmation that the information was verified directly with the original creditor and not through a third-party data vendor. 



TransUnion has not provided this documentation or demonstrated verification compliance. 


-- - Harm and Impact These ongoing inaccuracies are causing harm to my creditworthiness, misrepresentation of payment history, and loss of credit opportunities. TransUnions refusal to comply with federal accuracy and verification standards has resulted in undue damage and emotional distress.

-- - Requested Action by the CFPB I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) : 1. Investigate TransUnion for repeated violations of the FCRA ; 2. Require removal of all derogatory payment history and misleading remarks associated with this paid and closed account ; 3. Enforce compliance with FCRA 607 ( b ), 611, and 623 ; 4. Require TransUnion to provide the complete Method of Verification, including all signed documents and communication from the furnisher ; and 5. Ensure TransUnion issues written confirmation of deletion or correction within 30 days. 




-- - Attachments Copy of TransUnion Dispute Letter dated XX/XX/XXXX Copy of government-issued ID Proof of address Highlighted TransUnion credit report showing the disputed account -- - Declaration I affirm that all information contained in this complaint is true and accurate to the best of my knowledge and belief. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX Email : XXXX Phone : 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 non-monetary relief