Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against TransUnion for Non-Compliance with FCRA ( 15 U.S.C. 1681 I ) To Whom It May Concern, I am submitting this formal complaint against TransUnion LLC for failing to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) after I submitted both an initial dispute and a re-investigation request regarding inaccurate and unverifiable information contained in my credit report.

Despite my efforts to correct this information in accordance with my rights under 15 U.S. Code 1681i ( a ), which requires that a consumer reporting agency conduct a reasonable reinvestigation within 30 days, TransUnion has failed to remove or correct the erroneous information. Instead, they issued a generic response ( attached ) that neither confirmed nor denied the validity of the disputed data, nor did it result in any meaningful update to my credit file. After receiving letter I called to confirm my identity and was told that my State-issued Drivers License was not acceptable. The representative then instructed me to contact the company.

This inaction constitutes a direct violation of : 15 U.S.C. 1681i ( a ) ( 5 ) which mandates deletion of disputed information if unverifiable after reinvestigation ; 15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report ; 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) which requires the CRA to provide notice of the consumers right to add a statement to their file if the reinvestigation does not resolve the dispute.

I also request that the CFPB investigate whether TransUnion is employing systematic avoidance or stall tactics, including rejection of disputes submitted by mail under the pretense of not recognizing the sender, even when disputes are sent directly by the consumer.

Due to TransUnions failure to act, I have suffered emotional distress, damage to my reputation, and denial of credit opportunities. Should this issue remain unresolved, I will pursue the full remedies afforded to me under the FCRA, including : Statutory damages of up to {$1000.00} for each violation under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ( willful noncompliance ).

Desired Resolution : Immediate deletion or correction of the inaccurate and unverifiable information from my credit report.

Assurance of compliance with all relevant provisions under the FCRA for any future disputes. 

Please find attached a copy of the response letter from TransUnion dated XX/XX/year>, which demonstrates their refusal to investigate or take proper corrective action. 

I appreciate the CFPBs attention to this matter. I am prepared to provide additional documentation as necessary to support my claims. 

Sincerely, 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