Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint against TransUnion for continued inaccurate and unlawful reporting of derogatory information on my credit file, despite previous disputes and clear evidence of errors. TransUnion has failed to maintain reasonable procedures to assure maximum possible accuracy in my credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ). They are willfully and negligently violating multiple provisions of the FCRA by reporting inaccurate, incomplete, and unverifiable information. I have already submitted a dispute previously, and despite that, the errors remain on my file. I also have an open CFPB complaint regarding other bureaus and have not yet submitted my FTC Identity Theft report, which is forthcoming. 
ACCOUNT REPORTING INACCURACIES : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX High Balance : {$7900.00} Issue : Late Payments This account is inaccurately reporting late payments that are either unverified, outdated, or in violation of reporting laws. TransUnion has failed to validate these entries as required under 15 U.S. Code 1681i ( a ), which obligates the bureau to conduct a proper reinvestigation when a dispute is filed. This account is also a violation of 15 U.S. Code 1681s-2 ( b ), where furnishers are required to report accurate information and correct or delete inaccurate, incomplete, or unverifiable data. TransUnion has failed to ensure compliance from the furnisher and continued to publish these derogatory marks that severely impact my creditworthiness. 
LEGAL VIOLATIONS INVOLVED : 15 U.S.C 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information within 30 days.

15 U.S.C 1681i ( a ) ( 5 ) ( A ) Failure to promptly delete or modify information that is inaccurate or unverifiable.

15 U.S.C 1681s-2 ( b ) Failure of the data furnisher to correct or delete inaccurate information after being notified by the credit bureau XXXX 
Despite prior notification, TransUnion has chosen to ignore its statutory duties. The continued reporting of inaccurate, incomplete, and damaging data on my credit file is willful, reckless, and negligent. This has directly harmed my ability to obtain fair credit terms and subjected me to financial and emotional hardship. 
I am requesting the immediate deletion or correction of the inaccurate information listed above and a full reinvestigation as mandated by law. Please also provide me with the method of verification, name, and contact information of the furnisher, and the procedure used to determine the accuracy of the disputed item. 
Failure to resolve this will result in me seeking further legal remedies under the FCRA, including civil liability under 15 U.S.C. 1681n and 1681o. 
I expect a full resolution through this CFPB complaint. Thank you.

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