Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, D.C. XXXX Re : Failure of TransUnion to Address Disputed Accounts Reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to file a formal complaint against TransUnion regarding their failure to properly investigate, validate, and/or remove inaccurate information on my credit report. Specifically, there are accounts listed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I believe were included in my bankruptcy and should not be reported on my credit profile. I am requesting your assistance in holding TransUnion accountable for their failure to comply with my legal rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Despite filing my initial dispute with TransUnion on [ insert date ], which provided clear evidence that these debts were discharged in my bankruptcy proceeding, they have failed to either validate or remove these accounts. This constitutes a violation of the FCRA, Section 1681i, which mandates that a consumer reporting agency conduct a thorough investigation of any disputed information and correct or remove it if it can not be validated. 

I have made multiple attempts to work directly with TransUnion, but they have continuously failed to act in good faith to resolve this issue. This ongoing failure to comply with the law not only misrepresents my financial history, but it has also caused significant harm to my financial health. As a result, I am requesting monetary relief for the damages I have sustained as a result of TransUnions actions.

Under the FCRA, particularly Section 1681b and Section 1681o, I am entitled to seek damages, including but not limited to compensation for emotional distress, economic loss, and the negative impact on my ability to secure credit, loans, and other financial products. I understand that other consumers in similar situations have successfully received monetary compensation through the CFPB due to the willful non-compliance of consumer reporting agencies like TransUnion.

To summarize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts were discharged in my bankruptcy, and therefore, should not be reporting on my credit. 
TransUnion has failed to respond or take appropriate action on my disputes despite clear evidence. 
I am requesting that TransUnion immediately remove these items from my credit report and provide me with monetary relief for the damage caused to my financial health. 
I respectfully ask for the CFPBs intervention in this matter to ensure that TransUnion complies with the law and compensates me for the harm they have caused. Thank you for your attention to this important issue. I look forward to your prompt response and resolution of this complaint. 

Sincerely, 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 non-monetary relief