Consumer complaint received 2025-01-14 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: LA

Complaint narrative:
I am writing to file a complaint against TransUnion for their repeated failure to uphold their legal responsibilities under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. Over the past year, I have disputed inaccurate and harmful information on my credit report through certified mail, providing evidence and documentation with every submission. Despite my efforts, TransUnion has failed to properly investigate my disputes or remove the false information from my report. 

Your recent lawsuit against XXXX gives me hope that accountability is finally coming to the credit reporting agencies, but I need the CFPB to understand that TransUnion has been just as negligent, if not worse, in their handling of my disputes. Like XXXX, TransUnion has relied on responses from furnishers without verifying their accuracy, refused to remove information that is blatantly incorrect, and ignored the evidence Ive repeatedly provided. These practices are not just unfairtheyre harmful, deceptive, and completely unlawful. 

This situation has caused me more stress than I can put into words. I have been denied credit, which has limited my ability to make important financial decisions for my family. Ive experienced embarrassment and frustration when applying for loans or opportunities, only to be turned away because of false information on my report. The emotional toll of fighting these companies, trying to correct their mistakes, and feeling powerless in the process is unbearable. 

To make matters worse, my personal information was involved in the XXXX data breach. Knowing that my private data has already been compromised makes TransUnions refusal to follow the law even more upsetting. I take the security and accuracy of my personal information very seriously, and I can not stand by while these companies treat it with such disregard. Ive attached a screenshot proving my involvement in the breach to show how important it is that my information is handled properly.

Im also including a copy of the letter I sent to TransUnion via certified mail, outlining my disputes in detail. Despite following all the proper procedures, my efforts have been ignored, leaving me feeling like there is no recourse. Its clear to me that TransUnion is more concerned with protecting the interests of the companies reporting to them than the consumers theyre supposed to serve. 

I urge the CFPB to investigate TransUnions practices just as you have done with XXXX. I believe you will find similar violations, including sham investigations and a complete failure to follow the procedures outlined in the FCRA. I can not continue to suffer because of their negligence, and I am prepared to take further action if necessary. 

Thank you for your time and for everything you are doing to hold these companies accountable. I hope you will give my case the attention it deserves, as I am just one of many people who have been harmed by these deceptive practices.

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