Consumer complaint received 2025-04-22 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: WY

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Wyoming XXXX ] [ XXXX ] [ XXXX ] XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Resolution by TransUnion - Accounts : XXXX XXXXXXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am writing from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Wyoming XXXX, phone number XXXX, and email address XXXX, to file a formal complaint regarding the inaccurate reporting of two accounts on my credit report by TransUnion and their failure to adequately address my disputes, in violation of the Fair Credit Reporting Act ( FCRA ). 

Account XXXX : XXXX XXXXXXXX XXXX, Account Number : XXXX Nature of Inaccuracy : TransUnion continues to report inaccurate information for this closed credit card account. The payment history is inconsistent, with " Collection or charge off '' entries predating reported delinquencies. The " Times 90 Days Late '' field shows an improbable 36 instances.

Dispute History : I sent a dispute letter to TransUnion on [ Date you sent the dispute to TransUnion for XXXX ] via certified mail ( tracking number : [ Your Tracking Number ] ). [ Describe TransUnion 's response, e.g., " I received no response, '' or " Their response did not result in the deletion or correction of the inaccurate information. " ]. 
Resolution by Other Bureaus : Significantly, both Equifax and Experian have already investigated my dispute for this same XXXX XXXXXXXX XXXX account and have since deleted it from my credit reports. This strongly suggests the information is inaccurate or unverifiable. 
Desired Resolution : I request the CFPB 's assistance in ensuring that TransUnion conducts a proper investigation into my dispute and deletes this inaccurate account from my credit report, aligning with the actions taken by Equifax and Experian. 
Account 2 : XXXX XXXX, Account Number : XXXX Nature of Inaccuracy : TransUnion continues to report inaccurate information for this closed loan account. The report shows a contradictory balance ( $ \ $ {$26000.00} ) alongside " 0 % left to pay '' and " No history is available. '' The account is listed as " Collection/Charge-off '' with no clear basis. 
Dispute History : I sent a dispute letter to TransUnion on [ Date you sent the dispute to TransUnion for XXXX ] via certified mail ( tracking number : [ Your Tracking Number ] ). [ Describe TransUnion 's response, e.g., " I received no response, '' or " Their response did not result in the deletion or correction of the inaccurate information. " ]. 
Current Status with Other Bureaus : This same XXXX MTR account is also being reported by Equifax and Experian with similar inaccuracies. I have also sent dispute letters to them regarding this account. 
Desired Resolution : I request the CFPB 's assistance in ensuring that TransUnion conducts a proper investigation into my dispute and deletes this inaccurate account from my credit report. 
I have enclosed copies of my credit reports from all three bureaus highlighting these accounts, the dispute letters I sent to TransUnion, and the certified mail receipts as evidence of my attempts to resolve these issues directly. 

I believe TransUnion 's continued reporting of this inaccurate information constitutes a violation of the Fair Credit Reporting Act. I respectfully request your intervention to ensure that TransUnion complies with the FCRA and takes appropriate action to correct my credit report. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX XXXX

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