Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : [ ] XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Second Notice Formal Demand & Complaint Against TransUnion for Inaccurate and Unlawful Reporting To Whom It May Concern, This letter serves as my second formal demand and complaint against TransUnion for its continued and unlawful reporting of inaccurate, unverifiable, and misleading information on my credit file. Despite my prior dispute, TransUnion has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I filed a complaint through the CFPB website under complaint number XXXX. Following that filing, XXXX XXXX XXXX removed the disputed accounts from their reporting after reinvestigation. However, TransUnion has refused to take the same corrective action and continues to report inaccurate and fraudulent information. 

Specifically : XXXX XXXX XXXX is still being reported by TransUnion even though XXXX XXXX XXXX  have already removed it. 

The response to my prior complaint was made by XXXX XXXX XXXX, a company that is not even reporting on my credit file, which raises serious concerns about who actually owns this alleged debt and whether this is fraudulent reporting. 

TransUnion is currently reporting XXXX different balances from the same companyone for {$820.00} and another for $ XXXX is contradictory, inaccurate, and unlawful. 

TransUnion is also still reporting payment history on this alleged debt, which is improper and misleading reporting under the FCRA. 

TransUnion is in clear violation of the following provisions of the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a consumer reporting agency to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) : Requires reasonable procedures to assure maximum possible accuracy in consumer credit reports.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires prompt deletion of information that is found to be inaccurate, incomplete, or unverifiable.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the furnishing of information to a consumer reporting agency that is known to be inaccurate.

15 U.S.C. 1681n : Holds consumer reporting agencies liable for willful noncompliance with the FCRA, including statutory, actual, and punitive damages plus attorneys fees.

15 U.S.C. 1681o : Holds consumer reporting agencies liable for negligent noncompliance with the FCRA, including actual damages and attorneys fees.

Because XXXX XXXX XXXX have already removed these accounts, TransUnions refusal to do the same is not only a violation of federal law but also evidence of willful noncompliance. The conflicting balances and improper payment history reporting only further prove that the information is inaccurate, incomplete, and unverifiable. 

I am demanding the immediate deletion of the XXXX XXXX XXXX accounts and all associated reporting from my TransUnion credit file. If TransUnion continues to willfully or negligently report this fraudulent, inaccurate, and misleading information, I will escalate further by pursuing legal action for damages under the FCRA. 

I am requesting the CFPB hold TransUnion accountable for these violations and compel immediate deletion of these inaccurate accounts to ensure compliance and reporting accuracy across all credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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