Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Final Notice Ongoing Violations of FCRA, TILA & FDCPA/ Emotional XXXX  and Damages Due to Negligent Reporting To : Consumer Financial Protection Bureau ( CFPB ) Re : Complaint Against TransUnion, LLC Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion, LLC for continued, willful, and negligent violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other federal consumer protection laws. Despite multiple disputes, documentation, and my formally submitted affidavit, TransUnion has failed to correct, validate, or remove inaccurate and inconsistent information that remains on my credit report. 

Accounts in Question ( TransUnion File ) XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} Past Due : {$4200.00} Status : Charged Off / Derogatory Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Charged off as bad debt ; canceled by credit grantor. 

XXXX XXXX XXXXXXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7600.00} Past Due : {$7600.00} Status : Collection / Chargeoff Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Dispute resolved reported by grantor ; charged off as bad debt. 

XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} Past Due : {$4400.00} Status : Collection / Chargeoff Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Canceled by credit grantor ; charged off as bad debt. 

XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Past Due : {$2500.00} Status : Collection / Chargeoff Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Canceled by credit grantor ; charged off as bad debt. 

Pattern of Inconsistencies and Negligence Each of the above accounts reflects clear reporting inconsistencies across credit bureaus. Balances, payment histories, and status comments differ significantly between TransUnion, XXXX, and XXXX. In some cases, TransUnion  reports the accounts as active or charged off, while others no longer list them or report them as resolved. 

I have filed multiple disputes directly with TransUnion regarding these accounts. However, I have not received any valid reinvestigation results, documentation of verification, or written explanation as required by law. 

On XX/XX/XXXX, I submitted an Affidavit of Credit Reporting Violations and Failure to Correct Inaccuracies, demonstrating TransUnions failure to conduct reasonable reinvestigations under 15 U.S.C. 1681i ( a ) and to ensure the maximum possible accuracy of my consumer file under 1681e ( b ).

TransUnions repeated failure to act constitutes willful negligence and ongoing disregard of federal obligations.

Legal Violations by TransUnion Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) No reasonable reinvestigation within 30 days.

1681i ( a ) ( 6 ) ( B ) Failure to provide written reinvestigation results.

1681i ( 7 ) No disclosure of reinvestigation procedures within 15 days.

1681e ( b ) Failure to maintain maximum possible accuracy.

1681s-2 ( b ) Continued reporting of disputed data after notice.

609 ( a ) ( 1 ) ( A ) & ( 2 ) Failure to disclose full file and information sources.

616 & 617 ( 15 U.S.C. 1681n, 1681o ) Civil liability for willful/negligent noncompliance.

Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) Failure to disclose accurate account activity.

15 U.S.C. 1666 ( b ) Failure to correct billing/reporting errors.

15 U.S.C. 1640 Civil liability for violations.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Reporting false/disputed information without disclosure.

Consumer Financial Protection Act / UDAAP 12 U.S.C. 5531 ( c ) Engaging in unfair, deceptive, or abusive reporting practices.

Pattern of Noncompliance and Emotional Harm TransUnions failure to comply has caused significant emotional XXXX, including XXXX  attacks, XXXX, and ongoing mental strain, as I continue to be unfairly penalized by inaccurate and unverified data. Their refusal to correct these issues, despite multiple disputes and evidence, reflects a complete disregard for the rights and wellbeing of consumers. 

I have exhausted every internal dispute process with TransUnion. The next escalation will be legal action, as they have had multiple opportunities to comply and continue to ignore their federal obligations.

Requested Resolution I respectfully request that the CFPB : Investigate TransUnions ongoing noncompliance with the FCRA, TILA, and FDCPA.

Require immediate deletion of all listed accounts.

Compel TransUnion to provide full documentation of their reinvestigation process and furnishers verification records.

Issue sanctions for repeated failure to ensure accuracy.

Recognize emotional and financial harm caused by their continued negligence.

Conclusion and Notice of Legal Intent This letter serves as final notice before litigation. If TransUnion fails to comply, I will initiate a civil lawsuit in federal court under 15 U.S.C. 1681n and 1681o, seeking actual, statutory, and punitive damages, as well as attorneys fees and costs.

TransUnion has demonstrated a clear and deliberate pattern of disregard for both federal law and consumer wellbeing.

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