Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
# FORMAL COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU * * Date : * * XX/XX/year> * * To : * * Consumer Financial Protection Bureau * * CC : * * TransUnion LLC, Consumer Relations Department * * Re : * * Serious Credit Reporting Violations - Mixed Files, Improper Dispute Handling, and Potential FCRA Violations -- -- - # # COMPLAINANT INFORMATION * * Name : * * XXXX XXXX XXXX * * Email : * * XXXX * * Date of Complaint : * * XX/XX/year> -- -- - # # COMPLAINT SUMMARY I am filing this formal complaint against TransUnion LLC for egregious violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : mixed credit files, improper dispute handling procedures, failure to conduct reasonable investigations, and providing contradictory and misleading information regarding dispute resolutions. 

-- -- - # # DETAILED ACCOUNT OF VIOLATIONS # # # 1. CONFIRMED MIXED FILE SITUATION On XX/XX/year>, I spoke with * * XXXX * *, a supervisor in TransUnions Special Handling Department, who explicitly confirmed that my credit file has been mixed with another individual of the same name. XXXX provided me with * * File Number XXXXXXXX XXXX XXXX  and stated that multiple supervisors in his department have been working to expeditiously remove an erroneous bankruptcy from my credit report.

# # # 2. CONTRADICTORY DISPUTE RESOLUTION COMMUNICATION On XX/XX/year>, at XXXX XXXX  PST, I received a secure email from TransUnion Consumer Relations ( File Number XXXX - the same number XXXX provided ) claiming : > After reviewing your dispute request, we found the information you disputed does not currently appear on your TransUnion credit report. Its possible the information was updated before we reviewed your report or it was reported by one of the other credit reporting companies.

This statement directly contradicts the confirmation from XXXX that the bankruptcy was indeed on my file and that supervisors were actively working to remove it. 

# # # 3. IMPROPER DISPUTE HANDLING PROCEDURES Today, XX/XX/year>, I spoke with * * XXXX * * in TransUnions Fraud Department, who confirmed he could not verify whether the bankruptcy had been removed due to ongoing disputes in their system. XXXX stated that TransUnions system requires all disputes to be finalized before confirming removals- a practice that appears to deliberately obstruct consumers ability to verify dispute resolutions. 

-- -- - # # SPECIFIC FCRA VIOLATIONS * * 15 U.S.C. 1681e ( b ) - Reasonable Procedures : * * TransUnion has failed to maintain reasonable procedures to assure maximum possible accuracy of consumer reports, as evidenced by the confirmed mixed file situation.

* * 15 U.S.C. 1681i - Dispute Procedures : * * - Failed to conduct reasonable reinvestigation of disputed information - Provided misleading and contradictory information about dispute results- Failed to provide clear confirmation of dispute resolution * * 15 U.S.C. 1681c - Requirements for Information : * * Continued reporting of inaccurate information ( bankruptcy belonging to another individual ) despite internal acknowledgment of the error.

-- -- - # # REQUESTED ACTIONS I respectfully request that the CFPB : 1. * * Investigate TransUnions dispute handling procedures * * and determine if they systematically violate FCRA requirements 1. * * Order TransUnion to immediately : * * - Remove all inaccurate information from my credit file - Provide written confirmation of all corrections made - Implement proper file separation procedures to prevent future mixed file incidents - Provide a corrected credit report free of charge 1. * * Assess appropriate penalties * * against TransUnion for these violations 1. * * Order TransUnion to establish clear, consumer-friendly dispute resolution procedures * * that provide timely and accurate information about dispute outcomes -- -- - # # SUPPORTING DOCUMENTATION - File Number : XXXX ( provided by both Supervisor XXXX and in dispute resolution email ) - Screenshot of secure email received XX/XX/year>, XXXX XXXX  PST - Record of conversations with XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ) -- -- - # # IMPACT STATEMENT This mixed file situation and TransUnions improper handling of my disputes has caused significant distress and potential financial harm. The presence of another persons bankruptcy on my credit report could affect my ability to obtain credit, employment, housing, and other opportunities that rely on accurate credit information.

TransUnions contradictory statements and obstructive dispute procedures demonstrate a pattern of conduct that violates both the letter and spirit of the FCRA, designed to protect consumers from exactly these types of credit reporting errors and inadequate investigation procedures.

-- -- - # # CONCLUSION I trust the CFPB will take swift and decisive action to address these serious violations and ensure TransUnion complies with all applicable consumer protection laws. Consumers should not have to navigate contradictory information, mixed files, and obstructive dispute procedures when seeking to correct errors in their credit reports.

I look forward to your prompt investigation and resolution of this matter.

* * Respectfully submitted, * * XXXX XXXX XXXX XXXX -- -- - * * CC : * * TransUnion LLC, Consumer Relations Department

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