Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Subject : Violation of the Fair Credit Reporting Act Request for Investigation and Immediate Deletion of Inaccurate Accounts Dear CFPB Representative, I am submitting this formal complaint regarding TransUnion, a consumer reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Not only is TransUnion reporting inaccurate and unverifiable information on my credit profile, but they have also unlawfully blocked me from submitting disputes through their online portal, which has directly hindered my ability to exercise my federally protected rights under the FCRA.

The Problems Are Twofold : 1. Unverifiable and Inaccurate Information Being Reported The following account ( XXXX ) on my TransUnion credit report contain inaccurate, incomplete, and unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$12000.00} Dispute Summary : The reporting on this account is not accurate and can not be verified under XXXX U.S.C. 1681i ( a ). It fails to meet the accuracy standards outlined in 15 U.S.C. 1681e ( b ).

I have attempted to resolve this matter directly with TransUnion, but they have failed to investigate or remove the inaccurate data as required.

2. Blocked Access to Online Dispute Submission TransUnion has unjustly restricted my access to submit disputes via their online platform, which is the primary channel for consumer disputes. This obstruction is not only unreasonable, but it may also constitute a violation of my rights under the FCRA and potentially under 15 U.S.C. 1681i ( a ), which requires that a consumer reporting agency conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item of information.

By preventing me from disputing these items online and without providing a valid explanation or alternative remedy, TransUnion is intentionally suppressing my ability to correct or challenge inaccuracies, and is failing in its duty to maintain fair and accurate reporting. Relief Requested : I respectfully request the following : 1. That the CF
PB investigate TransUnions refusal to allow me access to online disputes as a potential obstruction of my consumer rights.

2. That the CFPB require TransUnion to immediately remove the inaccurate and unverifiable accounts listed above, as they do not comply with the FCRA.

3. That the CFPB enforce compliance and accountability to ensure this does not happen to other consumers.

I have attached the following documentation to support my claim : Documenting failed access to their online dispute platform Thank you for your time and for helping ensure that consumer protection laws are upheld. Please let me know if additional information is needed. 

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