Consumer complaint received 2025-05-16 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: VA

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Despite my prior disputes, TransUnion has failed to conduct a reasonable reinvestigation of inaccurate personal information, accounts, inquiries, and a public record currently listed on my credit report.

According to the FCRA, consumer reporting agencies are legally obligated to conduct a reasonable investigation when a consumer disputes the accuracy of any item in their credit file and to delete any information that can not be verified. 

Incorrect Names TransUnion continues to report the following inaccurate names that do not belong to me : XXXX XXXX XXXX Sturged These must be permanently removed. 

Incorrect Addresses : The following addresses do not belong to me and are being incorrectly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unverified or Inaccurate Accounts : The following accounts have not been properly investigated or verified by TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are either, inaccurate, or reported without proper verification or dont belong to me. 

Unauthorized Hard Inquiries : The following inquiries were not authorized by me and should be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inaccurate Public Record : TransUnion is also reporting a bankruptcy public record that does not belong to me and has not been verified. I am requesting its immediate deletion. Public record information is often reported erroneously, and TransUnion is required to independently verify such records with the original source typically the court before including them in a consumer 's credit file. To date, no verification has been provided.

Request for Method of Verification : Under the FCRA, I am formally requesting that TransUnion provide the method of investigation for each disputed item, including : The name, address, and contact information of each data furnisher or public record source that was used ; All documentation received from the data furnishers that was relied upon to verify the disputed information.

TransUnion has failed to fulfill this obligation, and therefore the disputed items should be immediately deleted from my credit file, as required by law.

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion : 1. Complies with the FCRAs reasonable investigation and disclosure requirements ; 2. Deletes all inaccurate names, addresses, accounts, inquiries, and public records listed above ; 3. Provides verification documentation or removes the disputed entries immediately. 

Thank you for your time and assistance in ensuring my consumer rights are protected.

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