Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for multiple violations of federal and state laws, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Texas Finance Code Chapter 392 Metro 2 Compliance Standards e-OSCAR Protocols TransUnion has reported inaccurate and inconsistent information on my credit report, failed to conduct a reasonable investigation into my disputes, and neglected to ensure compliance with applicable laws and industry standards. These failures have caused significant harm to my creditworthiness, financial opportunities, and emotional well-being.

Additionally, I request that the CFPB review and investigate the communication between TransUnion and the XXXX XXXX XXXX XXXX XXXX  ) regarding my previous dispute. This communication demonstrates TransUnion 's failure to adequately address my concerns and conduct a proper investigation, as detailed below. 

Key Issues Violations of the FCRA Duty to Ensure Accuracy ( 15 U.S.C. 1681e ) : TransUnion failed to ensure maximum accuracy of the information reported. 
XXXX XXXX XXXX Account : Incorrectly reports a {$0.00} balance and {$0.00} past-due amount, while XXXX  accurately reports a balance of {$4600.00}. 
XXXX XXXX XXXX Account : Reports an incorrect " Date Opened '' of XX/XX/XXXX, inconsistent with other credit bureaus. 
Consumer 's Right to Dispute ( 15 U.S.C. 1681i ) : TransUnion failed to conduct a proper investigation into my disputes and did not provide the method of verification ( MOV ) as required.

Liability for Noncompliance ( 15 U.S.C. 1681n and 1681o ) : TransUnions actions constitute willful and negligent noncompliance, entitling me to seek damages.

Violations of the FDCPA Harassing, Oppressive, or Abusive Conduct ( 12 CFR 1006.14 ) : TransUnions failure to resolve inaccuracies caused undue stress and financial harm.

False, Deceptive, or Misleading Representations ( 12 CFR 1006.18 ) : Incorrect reporting of account balances and dates constitutes deceptive practices.

Unfair or Unconscionable Means ( 12 CFR 1006.22 ) : Over-reliance on automated responses from data furnishers without independent review violates FDCPA standards.

Violations of Texas Finance Code Chapter 392 Prohibited Practices ( Texas Finance Code 392.304 ) : Reporting false information violates Texas law prohibiting deceptive debt collection practices.

Consumer Remedies ( Texas Finance Code 392.403 ) : Under Texas law, I am entitled to seek damages, attorney 's fees, and injunctive relief.

Failure to Comply with Metro 2 Standards and e-OSCAR Protocols TransUnion failed to follow Metro 2 standards for accurate and consistent reporting.

Over-reliance on e-OSCAR automated dispute resolution violated FCRA requirements for independent investigations. 
Details of Disputed Accounts XXXX XXXX XXXX ( Account # XXXX ) Balance : {$2700.00} Date Opened : XX/XX/XXXX ( Incorrect ) Discrepancy : The " Date Opened '' conflicts with other credit bureaus. TransUnion has not provided the method of verification for this account. 
XXXX XXXX XXXX ( Account # XXXX ) Balance : {$0.00} ( Incorrect ) XXXX  Balance : {$4600.00} ( Correct ) Discrepancy : TransUnion reports a {$0.00} balance and {$0.00} past-due amount, while XXXX  accurately reflects the correct balance and past-due amount. 
Harm Caused TransUnions actions have caused significant harm, including : Damage to My Credit Score : Inaccurate reporting has negatively impacted my creditworthiness.

Denial of Credit Opportunities : I have been denied credit and subjected to higher interest rates. XXXX XXXX  : The ongoing inaccuracies and lack of resolution have caused unnecessary stress and financial hardship. 
Request for CFPB Investigation into TransUnion-XXXX Communication I urge the CFPB to investigate the communication between TransUnion and the XXXX XXXX XXXX XXXX XXXX  ), as it highlights TransUnion 's failure to adequately address my concerns. Below is the specific correspondence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX RE : XXXX XXXX Complaint ID : XXXX Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. In response to your request, we have reviewed the information contained in XXXX XXXX complaint and are providing the information below in response. 

We have reviewed XXXX XXXX complaint along with the information previously provided regarding this issue. On XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX were notified of the consumer 's disputes. All items identified in the consumer 's complaint have previously been verified as accurate by the data furnisher, and the results were provided to the consumer. 

In response to the consumer 's complaint, on XX/XX/XXXX, we initiated an investigation with XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX. As the result of the investigation, the items were verified as accurate. 

This communication demonstrates that TransUnion has relied solely on data furnishers responses without conducting an independent or reasonable investigation, in direct violation of the FCRA and related laws.

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