Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint TransUnion Must Remove These Accounts Due to Ongoing Harm and Legal Violations REMOVE immediately the accounts reported by TransUnion that I have disputed multiple times and that still remain with errors, harming my mental health and violating my rights as a consumer. These accounts are damaging my credit unfairly, and TransUnion hasnt even responded properly to my previous complaints.

Im very upset because Ive done everything I was supposed to do Ive sent dispute letters, Ive asked for corrections, and Ive waited patiently. But TransUnion hasnt corrected anything and hasnt given me any explanation. Thats not just wrong its illegal. I feel like theyre ignoring me, and its affecting my life badly. 

These are the accounts that must be deleted : XXXX. XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discrepancies : TransUnion shows a balance of {$1100.00} with charge-off status and derogatory remarks. 

XXXX reports different data, and XXXX  doesnt even list the account. 

This inconsistency across bureaus proves inaccuracy and unreliability. 

I never received a proper investigation result from TransUnion. 

XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Discrepancies : Different charge-off dates, last activity dates, and balances reported across bureaus. 

TransUnion reports it with derogatory status and failed to explain the differences. 

XXXX XXXX XXXX  show different status, further confirming inconsistency. 

Again, no response has been provided regarding my dispute. 

Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : TransUnion failed to conduct a reasonable investigation and provide results within 30 days. 

15 U.S.C. 1681e ( b ) : Failed to ensure maximum possible accuracy by reporting different data than the other bureaus.

15 U.S.C. 1681a ( 4 ) : Violated my privacy by sharing and keeping incorrect data.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) : I have the right to see the original documents but I received nothing.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : They never sent a description of the investigation process after my dispute.

Truth in Lending Act ( TILA ) : Disclosure Violations : No proper account or balance details were disclosed, breaching TILA transparency requirements. 

Public Law 91-508, Title VI, Section 611 TransUnion failed to remove unverifiable and inaccurate information from my credit report.

Emotional and Psychological Harm Because of these errors, Ive faced anxiety, sleepless nights, and trouble getting approved for housing and credit. Its not just numbers its hurting my real life. And the worst part is : Ive asked for help, and TransUnion hasnt even answered.

I feel disrespected and ignored. Its as if they think I dont matter. That is unacceptable.

My Request I demand that : These accounts be completely removed from my TransUnion credit report not updated, but deleted.

I receive written confirmation within 5 business days.

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