Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against TransUnion, LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection statutes. TransUnion has reported and continues to report inaccurate, unverifiable, and misleading information on my consumer credit file. These errors adversely affect my creditworthiness, employment prospects, and access to fair lending. 

Violations and Legal Basis XXXX. Failure to Assure Maximum Possible Accuracy Under XXXX U.S.C. XXXX ( b ), a CRA must follow reasonable procedures to assure maximum possible accuracy. 
Courts have held that a CRA is liable when it continues to report inaccurate information without adequate procedures ( Guimond v. Trans Union Credit Info. Co., 45 F.3d 1329 ( 9th Cir. 1995 ) ).

TransUnions reporting contains factual inaccuracies, including but not limited to : Accounts not belonging to me. 
Incorrect balances and payment histories. 
Duplicate tradelines. 
Outdated or re-aged accounts in violation of 15 U.S.C. 1681c ( a ). 
XXXX. Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a CRA must conduct a reasonable reinvestigation when a consumer disputes an item. 
In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court ruled that CRAs may not merely parrot information from furnishers but must verify accuracy independently. 
TransUnion has failed to meet this standard, continuing to report disputed information without proper verification. 
XXXX. Furnisher Liability and CRA Responsibility Under 15 U.S.C. 1681s-2 ( b ), furnishers of information must investigate disputes referred by CRAs and correct inaccuracies. 
TransUnion has failed to ensure compliance by furnishers and continues to allow unverifiable accounts to remain. 
XXXX. Adverse Impact and Harm These violations have caused me concrete harm, including denial of credit and increased interest rates. Courts recognize damages for emotional distress and economic harm caused by inaccurate reporting ( Richardson v. Equifax Credit Info. Servs., Inc. , 2007 WL 640818 ( E.D . Tex. Feb. 27, 2007 ) ).

Requested Relief I respectfully request that the CFPB compel TransUnion to : XXXX. Immediately delete all inaccurate, unverifiable, and misleading information on my credit file. 
XXXX. Provide written confirmation of compliance within 15 days, as required under 15 U.S.C. 1681i ( a ) ( 5 ). 
XXXX. Implement stricter internal controls and auditing of reinvestigations to prevent recurrence. 
XXXX. Provide me with an updated and corrected consumer disclosure. 

Conclusion TransUnions practices demonstrate a clear pattern of noncompliance with federal law. Their continued reporting of false information, despite disputes, violates the FCRA and undermines the integrity of the credit reporting system. 

I request that the CFPB intervene to enforce compliance, protect consumer rights, and ensure accurate credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL 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