Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Phone : XXXX XX/XX/year> Via Email and Certified Mail To : TransUnion Legal Department XXXX XXXX XXXX XXXX XXXX, IL XXXX CC : Consumer Financial Protection Bureau Re : Final Pre-Litigation Notice Partial Deletion Achieved ; Remaining Accounts Require Immediate Removal to Avoid Filing Tomorrow To Counsel : As of today, XX/XX/year>, I have received confirmation both in writing and verbally during a phone call with a TransUnion representative that the XXXX disputed XXXX XXXX accounts have been permanently deleted and blocked from my credit file and should no longer appear on any report. This partial resolution is noted. However, XXXX accounts remain : the XXXX XXXX accounts and the XXXX XXXX accounts. These accounts have not been corrected or deleted despite prior notice, multiple disputes, and expiration of the deadline I provided for full resolution. Furthermore, upon close inspection of the reporting for these remaining accounts, there are additional serious accuracy concerns. The following XXXX XXXX accounts ending in XXXX, XXXX, and XXXX are reported with every payment month marked as X = Unknown. Likewise, the XXXX XXXX account ending in XXXX is also reported with X = Unknown for each payment month. This coding reflects incomplete and unverifiable payment history and is inconsistent with XXXX XXXX reporting standards. Under XXXX XXXX. XXXX ( b ), TransUnion is required to assure the maximum possible accuracy of information in consumer reports. Under XXXX ( a ), any incomplete or unverifiable information must be corrected or deleted upon dispute. Furthermore, XXXX ( b ) obligates furnishers to conduct a reasonable investigation and delete or correct unverifiable information. Continuing to report accounts with X = Unknown payment history is materially misleading and fails the FCRAs accuracy standard. My lawsuit is scheduled to be filed with the XXXX XXXX XXXX XXXX on XX/XX/year> tomorrow. This date was expressly set as your final deadline to resolve all disputed accounts prior to service. That deadline has now passed without resolution on the remaining items. For the record, I am submitting here a copy of the lawsuit to be filed tomorrow, as well as a copy of the previous complaint filed with the CFPB on XX/XX/year>, under reference numbers XXXX, XXXX, and XXXX. These prior filings clearly documented the violations and provided TransUnion with more than sufficient opportunity to comply. At this stage, deletion of the remaining XXXX XXXX and XXXX XXXX accounts is the only course of action that will prevent the immediate filing of suit. Absent written confirmation of permanent deletion by close of business today, I will proceed as scheduled. 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