Consumer complaint received 2025-02-19 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: MO

Complaint narrative:
I am submitting this formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681s-2, 1681i ( 5 ), 1681c ( c ), 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 2 ), 1681i ( a ) ( 6 ), 1681i ( a ) ( 5 ) ( A ), 1681n, and 1681o.

Despite numerous disputes regarding inaccurate and unverifiable information, TransUnion has failed to conduct a reasonable reinvestigation, failed to provide verification, and failed to correct or remove the disputed information. Instead, they continue to report inaccurate and outdated negative items, including a bankruptcy that can not be verified.

These violations have severely damaged my creditworthiness, impacting my ability to obtain credit, employment opportunities, and housing. I reference the CFPBs recent lawsuit against TransUnion regarding sham investigations of credit report errors, which further supports my claims.

Violations of the Fair Credit Reporting Act ( FCRA ) 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) TransUnion continues to report erroneous and outdated information without verifying its accuracy, violating its duty to ensure maximum possible accuracy in consumer reports.

2. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( 5 ) ) TransUnion has failed to investigate my disputes properly, repeatedly responding with verified no change without providing proof or documentation.

3. Failure to Address Inaccuracies from Furnishers ( 15 U.S.C. 1681s-2 ) TransUnion has continued to report disputed, inaccurate, and outdated negative items despite my repeated requests, violating its legal obligation to ensure the accuracy of furnished information.

4. Improper Continued Reporting of Adverse Information ( 15 U.S.C. 1681c ( c ) ) TransUnion continues to report outdated and unverifiable information, including a bankruptcy filing that they have failed to verify with the court.

5. Failure to Conduct a Proper Investigation Within 30 Days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) TransUnion must complete a reasonable reinvestigation within 30 days of a dispute. However, they have ignored multiple disputes while continuing to report inaccurate and unverifiable negative items.

6. Failure to Notify Furnishers of Disputes ( 15 U.S.C. 1681i ( a ) ( 2 ) ) If TransUnion did not notify the original creditors ( furnishers ) of my disputes within five business days, they are in violation of 15 U.S.C. 1681i ( a ) ( 2 ).

7. Failure to Provide Investigation Details ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under 15 U.S.C. 1681i ( a ) ( 6 ), TransUnion is required to explain how disputed items were verified and provide the source of the verification. They failed to do so, violating federal law.

8. Failure to Remove Unverified Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) TransUnion must delete information if it can not be verified. Instead, they continue to report unverifiable accounts and a bankruptcy that was not verified with the court.

9. Willful Noncompliance with the FCRA ( 15 U.S.C. 1681n ) TransUnions deliberate failure to properly investigate my disputes and their repeated refusal to correct errors constitute willful noncompliance with federal law.

10. Negligent Noncompliance with the FCRA ( 15 U.S.C. 1681o ) TransUnions negligence in handling my disputes has caused credit denials, financial harm, and emotional distress, entitling me to damages.

Disputed Accounts and Requested Resolutions TransUnion has failed to verify or correct the following accounts, despite multiple disputes. I request immediate correction or deletion of the disputed information. 

XXXX XXXX XXXX ( Auto Loan, Account # XXXX ) Disputed on : XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> TransUnions response : Verified no change without providing supporting documentation. 
Requested Resolution : Provide documentation verifying the accuracy of missed/late payments, or remove the negative reporting from my credit file. 
XXXX XXXX XXXX XXXX  ( Credit Card, Account # XXXX ) Disputed on : XX/XX/year> TransUnions response : Verified no change without supporting documentation. 
Requested Resolution : Provide proof of verification or delete the inaccurate negative reporting. 
XXXX ( XXXX XXXX, Account # XXXX ) Disputed on : XX/XX/year> and XX/XX/year> TransUnions response : Verified no change without proof of verification. 
Requested Resolution : Provide proof of late payment verification or remove the negative reporting. 
XXXX XXXX XXXX ( Auto Loan, Account # XXXX ) Disputed on : XX/XX/year> and XX/XX/year> TransUnions response : Verified no change without proof of documentation. 
Requested Resolution : Provide complete documentation supporting the 29 reported late payments or delete the negative reporting. 
XXXX XXXX XXXX ( Unsecured Loan, Account # XXXX ) Disputed on : XX/XX/year> and XX/XX/year> TransUnions response : Verified no change without investigation records. 
Requested Resolution : Provide proof of verification or remove the negative information. 
XXXX XXXX ( Credit Card, Account # XXXX ) Disputed on : XX/XX/year> TransUnions response : Verified no change with no proof of reinvestigation. 
Requested Resolution : Provide verification details or delete the inaccurate reporting. 
XXXX XXXX XXXX ( Credit Card, Account # XXXX ) Disputed on : XX/XX/year> and XX/XX/year> TransUnions response : Verified no change without verification records. 
Requested Resolution : Provide proof of the verification process or delete the negative information. 
Public Record : Chapter XXXX Bankruptcy ( Discharged ) Disputed on : XX/XX/year> and XX/XX/year> TransUnions response : Verified no change without providing verification from the court. 
Requested Resolution : Provide court verification of the bankruptcy or remove it from my credit report.

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