Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that TransUnion has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports. 

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX highlighted practices that are consistent with issues I have experienced with TransUnion, including : Conducting sham investigations : TransUnion, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. 
Improper reinsertion of inaccurate information : TransUnion has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. 
Failure to notify consumers adequately : TransUnion provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my TransUnion credit report that require immediate correction : XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 
XXXX XXXX XXXX  - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX  - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 
PERSONAL INFORMATION EMPLOYER - XXXX XXXX XXXX - The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX XXXX - The personal data reporting is inaccurate. 
Despite my previous efforts to address these errors, they persist, and I suspect improper practices by TransUnion have contributed to their continued presence. 

Legal Obligations Under the FCRA Under the FCRA, TransUnion is legally required to : Ensure the accuracy of consumer reports.

Conduct thorough and meaningful investigations of disputes. 
Prevent the reinsertion of inaccurate information unless specific procedures are followed. 
Failure to comply with these obligations constitutes a violation of federal law and has caused me significant harm, including damage to my creditworthiness and financial reputation. 

Demand for Compensation In light of the CFPBs findings and the harm caused to me, I demand the following : Immediate correction of all inaccuracies on my credit report. 
Compensation of {$1000.00} for each violation of the FCRA as applicable to my case. 
Expectations and Next Steps

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