Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding TransUnion for failing to ensure the accuracy, completeness, and integrity of the information reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, 1681e ( b ), and 1681s-2. Despite multiple disputes, TransUnion has continuously reported inaccurate, incomplete, and outdated information including late payments and wrong personal addresses that are severely damaging my creditworthiness and causing me emotional and financial harm. Below are the detailed issues : XXXX XXXX XXXX High Balance : {$2500.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : This account is reporting multiple late payments that I strongly dispute as inaccurate. I have not received proper billing statements nor verification for the delinquency being reported. I requested full validation and a reasonable investigation, yet TransUnion failed to provide any proof or updated correction.

Law Violated : Under 15 U.S. Code 1681i ( a ), TransUnion is obligated to conduct a reasonable reinvestigation within 30 days of dispute. Under 15 U.S. Code 1681e ( b ), they must assure maximum possible accuracy of the information. Reporting unverifiable late payments is a clear violation of these provisions.

Story : Due to the inaccurate reporting of this account, I have faced rejection for credit, higher interest rates, and emotional distress. I contacted the creditor for validation, and they failed to supply evidence. Yet, TransUnion continues to publish this derogatory mark. This is not only negligent but deliberately harmful to my financial integrity. I believe TransUnion failed to fulfill their duty as a credit bureau and violated my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$61000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : This account is falsely reporting late payments that are not accurate. I have made timely payments and communicated with the creditor. Despite submitting disputes and documentation, TransUnion failed to remove the inaccurate data or properly investigate the matter.

Law Violated : FCRA 1681i ( a ) mandates a reasonable investigation after dispute, and 1681s-2 ( b ) requires furnishers to report accurate data and respond to disputes in good faith. TransUnion 's continued reporting of inaccurate late payments without verification constitutes willful non-compliance.

Story : This has severely impacted my ability to purchase a home and qualify for essential financial tools. The emotional toll, missed opportunities, and distress caused by inaccurate derogatory data being left on my file is immeasurable. I provided proof, yet TransUnion chose to disregard my evidence. I demand the immediate correction or deletion of this unverifiable information.

I am requesting CFPB to initiate a full investigation into TransUnions pattern of negligence, failure to conduct reasonable reinvestigations, inaccurate reporting, and violation of my FCRA rights. I request the deletion of inaccurate accounts, removal of unverifiable late payments, correction of wrong address entries, and removal of unauthorized inquiries. I have suffered financial hardship, emotional stress, and reputational harm due to their failure to comply with federal law.

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