Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VIA CFPB ONLINE PORTAL OR CERTIFIED MAIL RE : FORMAL COMPLAINT AGAINST TRANSUNION LLC Willful Non-Compliance with the FCRA and Consumer Protection Laws Consumer : [ XXXX XXXX XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] SSN : [ XXXX ] To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against TransUnion LLC ( TransUnion ) for their repeated and negligent failure to maintain accurate credit information as mandated by federal law, and for their failure to conduct a proper, legally-sufficient reinvestigation after I disputed these errors directly with them on multiple occasions. 

Despite my diligent efforts to reconcile and correct these inaccuracies directly with TransUnion, they have systematically continued to publish and disseminate patently false, obsolete, and unverified information about me to credit lenders and other authorized users of their reports. This ongoing misconduct is inflicting severe and tangible harm upon my financial and personal well-being, including : The wrongful denial of credit for auto loans, mortgages, and credit cards. 
Qualification for only the most predatory, high-interest-rate financing when credit is offered. 
Loss of significant financial opportunities and severe damage to my financial reputation. 
Profound emotional distress, constant anxiety, and financial strain, which is an extreme and draining burden that affects all aspects of my daily life.

Summary of Prior Dispute Attempts with TransUnion : On or about [ Insert Date ( s ) of your previous dispute ( s ) to TransUnion ], I formally disputed this inaccurate information with TransUnion directly via [ Specify Method : online, phone, certified mail - if by mail, provide tracking numbers if available ]. Their response was either non-existent, a perfunctory automated reply, or failed entirely to address the specific legal and factual evidence I provided. It is clear that TransUnions reinvestigation process is a " sham '' designed to rubber-stamp data from furnishers without any meaningful, human review, in direct violation of their statutory duties. 

Specific Inaccurate Information Blocks on TransUnion Report : The following items on my TransUnion consumer disclosure report are inaccurate, unverifiable, and/or legally obsolete. I have previously disputed these specific items, yet TransUnion has willfully refused to correct them.

1. Creditor Name : [ N : A ] Account Number : [ N : A ] Nature of Inaccuracy : This collection account is reported as [ Unpaid/Open ]. This is incorrect because [ N/A. ] Required Action : Immediate and permanent deletion of this account from my credit file.

2. Creditor Name : [ N/A ] Account Number : [ N/A ] Nature of Inaccuracy : The account status is inaccurately reported as [ Charged-Off ] with a balance of [ N/A ]. The true status is [ N/A ] Required Action : Correction of the account status, balance, and payment history to reflect the accurate information, or deletion in its entirety.

3. Personal Information Block : Nature of Inaccuracy : My file contains incorrect personal information, such as former addresses or employers I never associated with. This is a primary cause of mixed files and inaccurate account reporting, demonstrating a failure of reasonable procedures.

Required Action : Removal of all inaccurate personal Legal Violations by TransUnion : TransUnion 's conduct constitutes a willful and negligent violation of numerous federal consumer protection laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1681e ( b ) : Failure to " follow reasonable procedures to assure maximum possible accuracy '' of the information in my consumer report. The persistence of these errors is prima facie evidence of their failure.

1681i ( a ) : Failure to conduct a reasonable reinvestigation upon receiving a direct dispute from me. Their automated system that merely verifies a furnisher 's data without a legal and factual review is legally insufficient and constitutes a " sham '' process.

1681c ( f ) : The
continued reporting of obsolete information beyond the legally permitted 7-year ( or 10-year for Chapter 7 bankruptcy ) reporting period.

Uniform Commercial Code ( UCC ) Implications : As a trusted repository of commercial data, TransUnion has a duty of good faith and commercial reasonableness. Their negligent misrepresentation of my credit history is a breach of this duty and unlawfully impairs my ability to engage in basic commerce and secure financing. 
United States Code ( USC ) - Broader Legal Context : The harm caused infringes upon my rights and aligns with concepts of defamation ( libel per se ) and negligence addressed throughout the U.S. Code. The financial and emotional injury is a direct and foreseeable result of their reckless disregard for accuracy. 
House Joint Resolutions ( HJR ) & Congressional Intent : The foundational purpose of the FCRA, as reflected in the congressional findings and intent ( including those in various House and Senate Joint Resolutions ), was to protect consumers from the very abuses I am experiencing : careless, unfair, and damaging credit reporting practices that destroy economic opportunity and peace of mind.

Request for Relief : I respectfully request that the CFPB exercise its full authority to : 1. Immediately investigate TransUnion 's non-compliance with the FCRA and related consumer laws.

2. Order TransUnion to permanently delete all inaccurate, unverified, unsubstantiated, and obsolete information from my credit file.

3. Order TransUnion to provide me with a free, updated credit report confirming, in writing, all deletions and corrections.

4. Order TransUnion to send notifications of these corrections to every entity that has received my erroneous report within the past six months ( and two years for employment purposes ), as required by 15 U.S.C. 1681i ( d ).

5. Hold TransUnion accountable for its willful and negligent non-compliance, including the imposition of all appropriate civil money penalties.

6. Ensure TransUnion reforms its reinvestigation procedures to prevent this systemic failure from harming me and other consumers in the future.

Enclosures : I have attached the following documents to support my complaint : A copy of my TransUnion credit report with the inaccuracies circled/highlighted.

Copies of my previous dispute correspondence with TransUnion ( letters, emails, screenshots of online disputes ) and any responses received.

Proof of my identity ( Copy of Driver 's License/SS Card ) and proof of my current address. 
[ Any other supporting documents, e.g., payment confirmations, bank statements, bankruptcy discharge orders ]. 

TransUnion 's continued reporting of demonstrably false information, even after direct dispute, has exhausted my direct remedies. I am now forced to seek the intervention of this Bureau. I reserve all rights to pursue private legal action against TransUnion for actual, statutory, and punitive damages, as well as attorney 's fees and costs, should this matter not be resolved fully and finally. 

Thank you for your prompt attention to this critical matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation