Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Denial of Access to Credit Report and Dispute Rights ( FCRA Violations ) Dear TransUnion, I am writing to formally lodge a complaint against TransUnion for violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I have attempted to access my credit report, access my credit score, submit a dispute and was unjustly denied this right. These actions appear to be direct violations of the following provisions of federal law : FCRA 1681g My right to receive all information in my credit file upon request FCRA 1681i My right to dispute inaccurate, incomplete, or unverifiable information in my credit report FCRA 1681g ( f ) My right to obtain my credit score when applicable Despite providing identifying information, I was denied the opportunity to submit a dispute on my own behalf and provide supporting documentation for my dispute. No valid legal justification was provided for this refusal. 
This denial has obstructed my ability to manage my credit responsibly and has caused stress, and potential credit denial. 
I am requesting the following from TransUnion : A complete and current copy of my credit report as required under the FCRA The ability to submit disputes regarding inaccurate or incomplete entries in a timely manner A written explanation for any prior denials or inaction, and the immediate resolution of this issue I am also requesting that Transunion thoroughly investigate my dispute of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft XXXX XXXX XXXX XXXX XXXX Late paymenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate balance, creditor states account charged off. {$260.00} written off. {$260.00} past due as of XX/XX/XXXX but is reporting a balance, which contradicts the standard practices for debt that has been written off. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Late payment XXXX XXXX XXXX XXXXXXXX XXXX Inaccurate personal information, unverifiable XXXX XXXX XXXX XXXXXXXX, Inaccurate, unverifiable information, inaccurate pbalance reporting XXXX XXXX XXXX XXXX, Inaccurate, unverifiable information, inaccurate balance reporting I am also submitting this letter as evidence in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and reserve the right to pursue additional remedies under federal law, including legal action, if this matter is not resolved promptly and fully.

Please respond to my request within the 30-day timeframe mandated by the FCRA. 
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