Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I am writing to submit a complaint against TransUnion for inaccurate information on my credit report. Specifically, I am disputing the information related to XXXX XXXX XXXX account # XXXX, which was opened on XX/XX/XXXX and has a balance of {$0.00}. 

Background ; On XX/XX/XXXX, I submitted a complaint against TransUnion ( Claim # XXXX ), including documentation of previous disputes sent to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In these disputes, I requested " physical proof '' to verify that TransUnion had a record of my documentation at the credit bureau. However, TransUnion failed to provide this proof. 

Dispute Letter Sent on XX/XX/XXXX ; On XX/XX/XXXX, I sent a dispute letter to TransUnion regarding this account, as it is XXXX XXXX XXXX and should be deleted from my credit report. However, despite this, the account was reinserted. 

Retaliation by TransUnion ; As a result of my complaint, TransUnion has retaliated against me by reinserting several previously deleted accounts, including the XXXX XXXX XXXX account. This is a clear violation of federal law, as TransUnion did not provide written notice within XXXX business days of reinserting the account, as required by XXXX XXXX XXXX ( a ) ( XXXX ) ( B ). 

Inaccurate Information ; On my credit report, the XXXX XXXX XXXX account is currently reported with late payments, despite being a closed account with a {$0.00} balance. This information is inaccurate and has been disputed multiple times. FCRA Violations TransUnion 's actions appear to violate several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Reasonable Investigation ( FCRA XXXX ) : TransUnion failed to conduct a reasonable investigation into my disputes. 
XXXX. Failure to Correct or Delete Inaccurate Information ( FCRA XXXX ) : TransUnion failed to correct or delete the inaccurate information on my credit report. 
XXXX. Reinsertion of Previously Deleted Information ( FCRA XXXX ) : TransUnion reinserted the previously deleted account information without my consent or notification. 
XXXX. Failure to Provide Accurate Information to Consumers ( FCRA XXXX ) : TransUnion failed to provide accurate information to me, the consumer, about the dispute and the investigation. 
XXXX. Retaliation against Consumers ( FCRA XXXX ) : TransUnion retaliated against me by reinserting previously deleted accounts and changing the score calculations. 
Additional Retaliation TransUnion has also retaliated against me by : XXXX. Locking me out of obtaining Transunion credit reports online : I am no longer able to access my credit reports online, either directly on the TransUnion website or through the free annual report. 
XXXX. Providing a credit report in Spanish : When I requested a credit report be mailed to me, it was provided in Spanish, despite my primary language being English. 
XXXX. Including closed accounts with {$0.00} balance in payment history/score : TransUnion has changed their scoring model to include closed accounts with {$0.00} balance, which has resulted in my credit score being XXXX points lower than the other XXXX credit bureaus.

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