Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing in response to your interim response regarding my formal complaint about TransUnions failure to provide access to my credit file and refusal to correct inaccurate information, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ].

Your response fails to address the core issues I raised, and I demand immediate corrective action to resolve these unlawful practices.

Violations of Federal Law by TransUnion : 1. Unla
wful Denial of Access to My Credit Report FCRA Violation [ 15 U.S.C. 1681g ] Under FCRA 1681g, every consumer is entitled to full access to their credit file upon request. 
I have provided multiple valid forms of identification, including my drivers license, Social Security card, and utility bill, yet TransUnion continues to deny my access based on false and misleading reasons.

The repeated stall tactics and vague denial messages from TransUnion are unjustified and unlawful.

2. Failure to Correct Inaccuracies FCRA Violation [ 15 U.S.C. 1681i ] I have disputed multiple inaccuracies, including : Incorrect balances on multiple accounts ; Old accounts that should have been legally removed ; Duplicate and inaccurate negative items harming my credit score ; Incorrect name and address variationsthe only correct name should be XXXX XXXX XXXX, and the only correct address should be XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 
Under FCRA 1681i, TransUnion must investigate and correct inaccurate or unverifiable information within 30 days. TransUnion has failed to do so.

3. Improper Handling of Disputes FCRA Violation [ 15 U.S.C. 1681s-2 ] Despite submitting formal written disputes with supporting documentation, TransUnion has refused to make any necessary corrections. 
TransUnions failure to correct the disputed items has resulted in a XXXX drop in my credit score, causing financial harm and preventing me from obtaining housing and credit opportunities. 
The FCRA mandates that disputed information must be verified, corrected, or deleted. Since TransUnion has failed to verify these accounts, they must be deleted immediately. 
Formal Demand for Immediate Action : Immediate Access to My Credit File Under the FCRA, I am legally entitled to access my full and unaltered credit report. TransUnion must immediately provide this access without further delay.

Correction & Deletion of Inaccurate Information TransUnion must correct all inaccuracies within 15 days or delete the unverifiable accounts from my credit report.

Provide a Detailed Explanation of Previous Denials TransUnion must explain why my verified identification documents were repeatedly rejected and provide a written acknowledgment that my identity has now been confirmed. 
Cease & Desist from Unlawful Stall Tactics If TransUnion continues to obstruct my ability to dispute errors, I will escalate this case to federal authorities. 
Legal Consequences for Non-Compliance Failure to comply with these demands will result in the following actions : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 
Seeking legal action against TransUnion for willful violations of the FCRA, including : Statutory fines of up to {$1000.00} per violation ; Actual and punitive damages for financial harm caused by incorrect credit reporting.

Publicly reporting TransUnions noncompliance to regulatory agencies and consumer advocacy groups.

TransUnions failure to provide credit file access and correct inaccurate information is illegal and financially damaging. If this issue is not fully resolved within 15 days, I will pursue all available legal remedies.

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