Consumer complaint received 2025-06-06 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: MS

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), Subject : URGENT : Egregious FCRA Violations, Non-Compliance, Failure to Provide Detailed Reinvestigation, Blocked Online Access, and Improper Reporting of Late Payments on Unverified Accounts by TransUnion Demand for Statutory Damages I am writing to file a formal and urgent complaint against TransUnion regarding their continuous and blatant disregard for the Fair Credit Reporting Act ( FCRA ) and their repeated violations of my consumer rights. Despite multiple attempts to resolve these critical issues, TransUnion has consistently failed to fulfill their legal obligations, engaged in deliberate delaying tactics, refused to provide legally required information, has blocked my online access to my consumer report, and is improperly reporting late payments on unverified accounts. 

Overview of the Issue My personal information was severely compromised as a result of the XXXX  data breach in XXXX. Since that time, I have been diligently working to dispute inaccurate and fraudulent information appearing on my TransUnion credit report. I have sent numerous letters and previously filed a CFPB complaint ( CFPB Complaint # XXXX, filed on XX/XX/XXXX ) detailing my requests and providing extensive documentation. TransUnion 's responses have been inadequate, evasive, and non-compliant with federal law. 

Specific Violations and Non-Compliance by TransUnion Refusal to Block Information and Continued Violation of FCRA 605 ( b ) On XX/XX/XXXX, I formally requested the blocking of specific information from my credit report pursuant to FCRA 605 ( b ) due to identity theft. This request was clearly outlined in my letter and reiterated. I provided compelling evidence, including my FTC Identity Theft Report and proof of the XXXX  data breach. 

TransUnion has failed to block this information within the stipulated timeframe, demonstrating a clear and ongoing disregard for this critical section of the FCRA. This is a continued and blatant violation of my rights as a victim of identity theft. 

Repeated Requests for Already-Submitted Documentation / " Stall Letters '' Since my initial contact on XX/XX/XXXX, and subsequent correspondence ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), TransUnion has consistently sent " stall letters '' ( such as the letter dated XX/XX/XXXX ) and continued to request documentation that I have already provided on multiple occasions. 

The comprehensive documentation I have consistently sent to verify my identity and support my claims includes, but is not limited to : Copy of my Commercial Driver 's License Copy of my Social Security Card Utility Bills FTC Identity Theft Report Proof of the XXXX  Data Breach ( Engagement number XXXX ) Notarized Identity Verification Form and Notarized Identity Theft Affidavit Copies of my initial dispute letter and previous CFPB complaint Evidence of personal data leak from XXXX TransUnion 's continuous and unnecessary requests for this information, despite having received it numerous times, constitutes a deliberate delaying tactic and a clear violation of their obligation to conduct a reasonable and timely investigation. 

Failure to Provide a Detailed Reinvestigation Report ( 15 U.S.C. 1681i ) In my letter dated XX/XX/XXXX, I formally requested a reinvestigation of several accounts and specifically demanded " a full detailed report of your investigation, including the methods used to verify the accuracy of these accounts. Please provide specific details on how each account was verified, including the names and contact information of the sources you consulted. '' TransUnion 's response to my previous CFPB complaint merely states that accounts were " VERIFIED AS REPORTED '' without providing any specific details regarding their investigative methods or sources. This lack of transparency and detail is a clear failure to comply with 15 U.S.C. 1681i, which mandates a reasonable reinvestigation and notification of the results of that reinvestigation with specific information. They have demonstrably not complied with my request for a detailed report. 

Improper Reporting of Late Payments on Closed and Written-Off Accounts Without Proper Verification ( 15 USC 1666b ( a ) and FCRA Accuracy Requirements ) In my letter dated XX/XX/XXXX, I disputed the reporting of late payments on my consumer report. As evidenced by my TransUnion report from XX/XX/XXXX, TransUnion is still allowing accounts that have not been properly verified to continue to report late payments, even on accounts that are closed or written-off. This includes accounts like " ABSOLUTE RECOVERY SERVICES, '' " XXXX XXXX, '' and " XXXX XXXX, '' which are marked as " Closed '' and " Needs Attention '' but still show a " Placed for collection '' remark and notes " Account information disputed by consumer. '' Additionally, I am still seeing an improper late payment reported on XXXX XXXX from XXXX that has not been properly verified. 

I specifically requested proof that periodic statements were mailed or delivered to me at least 21 days before the payment due date for each reported late payment, pursuant to 15 USC 1666b ( a ). TransUnion has not provided this legally required documentation, further indicating a potential violation of the FCRA and their responsibility to ensure the utmost accuracy in credit reporting. 

Blocked Online Access to My Credit Report Furthermore, TransUnion has blocked my online access to my credit report. This action prevents me from monitoring my credit file, identifying further inaccuracies, and exercising my rights under the FCRA. This is an unacceptable barrier to my consumer rights, especially given the ongoing identity theft issues. 

TransUnion 's actions constitute willful non-compliance and willful negligence of my consumer rights under the FCRA. I expect prompt attention to this critical matter and a resolution that ensures TransUnion adheres strictly to federal consumer protection laws, including the payment of statutory damages for their repeated violations. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX 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