Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

On XX/XX/XXXX I submitted a complaint with the cfcb ( # XXXX ) about the inaccurate accounts on my credit report. On XX/XX/XXXX I received a dispute results with the same inaccuracies. Transunion has failed to investigate. Attached are copy of complaint as well as investigation results. 

XXXX XXXX ( Account # XXXX ) - The payment history continues to be inaccurately reported despite previous disputes. I have never been late on this account. You must correct the inaccurate information or remove the account entirely XXXX ( Account # XXXX ) - The Last reported Date remains incorrect despite my prior disputes. The date of XX/XX/XXXX is inconsistent with information reported by other bureaus, violating the FCRA. Correct this immediately or remove the account from my report. Furthermore, the account is listed as its in collections but still owned by the original creditor with no information of the collection agency info! 

XXXX XXXX ( Account # XXXX ) - The " Date of Last Activity '' remains falsely reported as XX/XX/XXXX, despite my previous disputes. I demand that you investigate this with XXXX XXXX and correct this immediately or remove the account entirely if it can not be verified. 

XXXX. Account with XXXX XXXX - XXXX Number : XXXX I am disputing the inaccurate date of last activity showing XX/XX/XXXX differs from what is being reported by other credit bureaus. Correct the inaccurate information or remove the account entirely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - I previously disputed the inaccurate " Date Last Active '' reported as XX/XX/XXXX, yet you continue to report incorrect information. This is a blatant violation of the FCRA. You must investigate this discrepancy with XXXX XXXX XXXXXXXX and either correct it or remove the account entirely if it can not be properly verified. 

I am disputing the inaccurate Date of Last Activity ( DLA ) reported for the charged-off account with XXXX Revolving account with account # XXXX ** The date currently reported as XX/XX/XXXX is inconsistent with information reported by other credit bureaus. Which clearly indicates an error. which violates the Fair Credit Reporting Act ( FCRA I demand that you immediately investigate this discrepancy with XXXX and either correct the inaccurate DLA or remove the account entirely from my credit report if it can not be properly verified.

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