Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I, XXXX XXXX XXXX, submit this complaint against TransUnion for its willful and negligent failure to comply with the Fair Credit Reporting Act. TransUnion has failed to investigate and update my credit report within the 30-day period required by 15 U.S.C. 1681i after I lodged disputes regarding multiple incorrect accounts. TransUnions lack of action and inadequate procedures have left derogatory, unverified information on my credit file, in violation of several FCRA provisions ( 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), and 1681i ( 5 ) ). I have made good-faith efforts ( including a dispute letter mailed on XX/XX/XXXX ) to have these errors corrected, but TransUnion has largely ignored my requests. This persistent non-compliance is causing ongoing damage to my financial wellbeing and must be addressed by regulatory intervention. Disputed Items Not Addressed : TransUnion continues to report erroneous accounts and inquiries on my credit report that I have formally disputed. 

Notably : XXXX XXXX XXXX XXXX Credit Card TransUnion lists a XXXX XXXX credit card ( Acct # XXXX XXXX XXXX XXXX XXXX ) with multiple late payments ( XX/XX/XXXX days late ) and a status that appears derogatory. I dispute the accuracy of this entry. I was not late on this account to the extent reported. My first dispute yielded no correction ; instead, TransUnion left the item in place with a remark indicating the dispute was resolved, even though nothing was actually fixed. The late payment history is wrong, and TransUnions failure to remove or correct it means they are reporting false credit information about me. 

XXXX XXXX XXXX XXXX XXXX  ) A revolving account from XXXX XXXX with a balance ( around {$490.00} ) is listed on my TransUnion report, and it was at one point showing as past due. I challenged this account as I suspect it may be linked to an identity theft incident or a reporting error ( I did not authorize any delinquency on this account ). I explicitly asked TransUnion to provide proof of this debt with my signature, or else delete it if such proof is absent. To date, TransUnion has not provided any verification. Over 30 days have passed and this disputed XXXX XXXX entry remains, suggesting TransUnion did not properly verify the account with the creditor. Keeping an unverified potentially fraudulent account on my file is a serious violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX secured loan ( XXXX XXXX XXXX XXXX XXXX * XXXX ) is reported by TransUnion with a derogatory notation ( it shows as closed with a past due history, including a 30-day late ). This is incorrect I was never delinquent on that loan. I have communicated this to TransUnion with evidence, yet TransUnion did not remove the false late payment. The item still appears, indicating TransUnions investigation ( if any occurred ) was inadequate. Its possible TransUnion simply relied on the furnishers insufficient response and closed the dispute without truly resolving the inaccuracy. This account remains a glaring error on my report. 

XXXX XXXX XXXX TransUnion lists an XXXX account ( collections ) with an account number ending in XXXX that was purportedly charged off or sent to collections. I have no knowledge of this debt, and I challenged it as either obsolete or not mine. TransUnion has failed to produce any original account documentation or proof that this XXXX debt is valid and attributable to me. Given the lack of verification, this collection should have been deleted. Instead, TransUnion continues to report it, which is a clear case of maintaining unverifiable, damaging information on my credit file. 

Unauthorized Credit Inquiries There are at least two hard inquiries from XXXX XXXX ( dated XX/XX/XXXX and XX/XX/XXXX ) on my TransUnion report that I questioned. I requested TransUnion to verify that each inquiry had a permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ) and to remove any that did not. TransUnion did not confirm the legitimacy of these inquiries within 30 days, nor did it remove them. While inquiries are a lesser issue than the erroneous accounts, its still concerning that TransUnion ignored my inquiry dispute as well, leaving potentially unauthorized pulls on my report. 

TransUnions behavior in this matter clearly violates the FCRA on multiple fronts : Untimely and Incomplete Reinvestigation ( 15 U.S.C. 1681i ) : TransUnion did not properly reinvestigate my disputes within the required 30 days. In fact, I have received no substantive response from TransUnion within the statutory period. The unresolved status of the above accounts and inquiries past the 30-day mark is a direct violation of 1681is mandates. TransUnion had an obligation to investigate each disputed item and notify me of the results ( or request an extension of time if I submitted additional info, which I did not ). It failed to do so. This suggests either a willful neglect or systemic failure in TransUnions dispute handling process.

Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : TransUnion is continuing to report information that is not maximally accurate. The false late payments and the unverifiable XXXX collection indicate that TransUnions procedures did not catch obvious errors. By keeping these items on my report, TransUnion has not met its duty to ensure accuracy. Reasonable procedures would have led to correction or deletion of these items once disputed, yet that did not happen. This failure is a breach of 1681e ( b ) and shows TransUnions lack of reasonable care with my data. 

Retention of Unverifiable/Erroneous Data ( 15 U.S.C. 1681i ( 5 ) ) : Under FCRA 1681i ( a ) ( 5 ), TransUnion must delete or correct information that can not be verified or is inaccurate after a dispute. TransUnions persistence in reporting the XXXX collection and other disputed accounts without verification is unlawful. They had the opportunity and the obligation to obtain verification from the furnishers ( or determine none exists ) and then remove any unverifiable items. Keeping an unverified collection and incorrect late payment on file is a direct violation of 15 U.S.C. 1681i ( 5 ). This section exists to prevent exactly what is happening to me now having ones credit report marred by items that lack proof or truth.

Furnisher Investigation Duties ( 15 U.S.C. 1681s-2 ( b ) ) Ignored : The creditors/furnishers ( e.g., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX were notified of my disputes by TransUnion, yet evidently failed to properly investigate and correct their information. By concluding the disputes with no changes, TransUnion effectively accepted the furnishers non-compliance. This means the furnishers breached their FCRA 1681s-2 ( b ) duties to investigate and report accurate results, and TransUnion is complicit by not requiring any proof and leaving the faulty data on my report. As a consumer, I am caught in the middle of this breakdown in the dispute process, which FCRA intends to prevent. 
Impact and Harm : TransUnions FCRA violations have caused me considerable harm. The presence of a charge-off and major delinquencies on my TransUnion credit report has severely lowered my credit score, which was recently in the XXXX largely because of these entries. I have faced credit denials and am at risk of being turned down for housing or employment that checks credit. The stress and time spent trying to correct these issues are significant. Every day these derogatory marks remain, my financial reputation suffers unjustly. It is extremely frustrating that even after following the proper dispute process, I am left with a report that is clearly inaccurate and damaging, due to TransUnions failures.

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