Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding TransUnions Deceptive Practices Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion for engaging in deceptive practices similar to those for which XXXX was recently ordered to pay {$15.00} XXXX. It has come to my attention that TransUnion also appears to be violating the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) by failing to conduct adequate investigations into disputed information on consumer credit reports. 

The recent findings by the CFPB regarding XXXX highlight significant issues in their dispute resolution processes, particularly the failure to thoroughly investigate consumer disputes and consider all relevant information. I am concerned that TransUnion is employing similar ineffective systems and flawed processes that mislead consumers and undermine the integrity of credit reporting. 

In particular, I have experienced the following issues with TransUnion : 1. **Inadequate Investigation of Disputes** : My attempts to dispute inaccuracies in my credit report were met with limited avenues for explanation. TransUnion did not take into account all the information I provided, nor did they conduct a thorough review of the dispute. 

2. **Failure to Consider Relevant Information** : There were instances where I submitted supporting documentation for my claims, yet it appears that TransUnion either overlooked this information or did not factor it into their investigation at all.

3. **Confusing Communication** : The responses I received from TransUnion were often contradictory and unclear. For example, I received communications indicating that disputed items were verified as accurate, only to later receive notices that the same items had been deleted without explanation.

Additionally, I would like to bring to your attention a specific incident regarding my XXXX account. On XX/XX/XXXX, I was notified of a change to my TransUnion credit report, which indicated a removal of my XXXX account. My credit score dropped by XXXX points since XX/XX/XXXX, due to this removal. I will be updating photos to demonstrate that my rental agreement account with XXXX is still open, despite it being deleted from my credit report. 

Given these issues, I believe TransUnion is not only failing to uphold the standards set forth by the FCRA but is also causing harm to consumers by perpetuating inaccuracies in credit reporting. I respectfully urge the CFPB to investigate these practices at TransUnion and take necessary action to ensure compliance with consumer protection laws. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely,

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