Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
CFPB COMPLAINT LETTER ESCALATED ACTION AGAINST TRANSUNION Subject : XXXX XXXX XXXX TransUnion for FCRA Violations and Failure to Remove Inaccurate Information To Whom It May Concern, This complaint is being filed against TransUnion for its continued and willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V ( 12 CFR Part 1022 ). Despite multiple formal disputes submitted over the past several months, TransUnion has failed to take any corrective actions. Inaccurate, unverified, and unauthorized itemsincluding derogatory tradelines and hard inquiriesremain on my credit file in direct violation of federal law. 

DISPUTED DEROGATORY ACCOUNTS The following creditors are furnishing inaccurate and unverified derogatory information that has not been properly validated or corrected : XXXX XXXX XXXX XXXX XXXX XXXX These accounts are in direct violation of multiple sections of federal law, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to complete a reinvestigation within the 30-day window Penalty : {$1000.00} per violation ( willful ) ; actual damages if negligent under 1681o FCRA 1681s-2 ( b ) Furnishers failed to investigate disputed information FCRA 605 ( a ) Inclusion of obsolete or expired items FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FDCPA 809 ( b ) Collection agencies failed to provide debt validation upon dispute Penalty : {$1000.00} per violation under 15 U.S.C. 1692k DISPUTED HARD INQUIRIES The following hard inquiries were made without my consent or a permissible purpose and remain unverified : XXXX XXXX  XXXX XXXX XXXX Additional inquiries from the same or related furnishers These inquiries are in violation of : FCRA 604 ( a ) ( 3 ) No permissible purpose established FCRA 607 ( a ) Failure to verify the purpose of inquiry FCRA 1681b ( c ) No consumer-initiated application on record FCRA 1681e ( a ) Failure to use reasonable procedures to prevent unauthorized access Penalty : {$1000.00} per unauthorized inquiry ; actual and punitive damages available under 1681n and 1681o PATTERN OF NONCOMPLIANCE BY TRANSUNION TransUnion has failed to : Conduct proper reinvestigations within the time allowed by law Remove or correct unverifiable and inaccurate information Prevent unauthorized inquiries Respond in good faith to federally protected consumer rights REQUEST FOR CFPB INTERVENTION AND FORMAL RESOLUTION I respectfully request that the Consumer Financial Protection Bureau intervene and enforce the following actions : Immediate deletion of all disputed, inaccurate, and unverifiable derogatory accounts Removal of all unauthorized hard inquiries A full record of TransUnions reinvestigation process, including correspondence with furnishers A written confirmation of all deletions within 15 calendar days of CFPBs receipt of this complaint NOTICE OF LEGAL REMEDY Should TransUnion continue its noncompliance XXXX I reserve the right to pursue damages under the FCRA and FDCPA : FCRA 1681n : Statutory damages up to {$1000.00} per willful violation FCRA 1681o : Recovery of actual damages for negligent noncompliance FDCPA 1692k : Up to {$1000.00} per violation, plus legal fees I urge the CFPB to initiate immediate oversight and require full compliance from TransUnion in accordance with federal law. 


Please Note : The information that I'm reporting via CFPB for TransUnion. I am reporting this for my self only. I am NOT a 3rd-party, nor am I representing from a law firm nor did I hire anyone to submit this complaint. I am a consumer and law buying citizen of the United States. 


Sincerely, Submitted via CFPB Secure Complaint Portal

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