Consumer complaint received 2025-05-31 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: KY

Complaint narrative:
I am filing this formal complaint against TransUnion LLC for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including their failure to investigate 33 disputed items on my credit report within the mandatory 30-day period, employing stalling tactics by demanding unreasonable additional documentation, and refusing to delete disputed items as required by law. TransUnions non-compliance, now exceeding 48 days since my initial dispute on XX/XX/XXXX, and their lack of response to my follow-up demand letter dated XX/XX/XXXX, have caused significant financial and emotional harm. I request that the CFPB investigate TransUnions practices, compel immediate deletion of the disputed items, and enforce FCRA compliance to protect my consumer rights. 

Details of the Complaint On XX/XX/XXXX, I submitted a dispute to TransUnion via certified mail, identifying 33 inaccurate items on my credit report, including incorrect personal information, an unauthorized inquiry, unverified accounts, duplicate accounts, and incorrect reported amounts. I provided sufficient identification, including my drivers license and a utility bill dated XX/XX/XXXX, as required under the FCRA. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), TransUnion was obligated to conduct a reasonable investigation within 30 days, by approximately XX/XX/XXXX. 

On XX/XX/XXXX, TransUnion responded with a letter requesting additional documentation and suggesting I contact a credit repair agency, actions that constitute unlawful stalling tactics under 15 U.S.C. 1681i ( a ) ( 1 ). Their demand for excessive verification beyond my provided identification ( drivers license, utility bill ) and implication that I must prove my identity further violated the FCRAs streamlined dispute process ( 15 U.S.C. 1681g ( c ) ). The letter provided no indication that an investigation had begun or that furnishers were notified, as required by 15 U.S.C. 1681i ( a ) ( 2 ). 

On XX/XX/XXXX, I sent a follow-up demand letter via certified mail ( receipt confirmed XX/XX/XXXX, XXXXXXXX XXXX ), citing their FCRA violations XXXX demanding an investigation within 5 business days ( by XX/XX/XXXX ), and requesting deletion of the disputed items. As of XX/XX/XXXX, 23 days after my follow-up and 48 days since my initial dispute, TransUnion has neither responded, conducted an investigation, nor deleted the disputed items, in clear violation of the FCRA.

Disputed Items The 33 disputed items, as detailed in my XX/XX/XXXX, dispute letter, are : Incorrect Personal Information : Former name XXXX XXXX. 

Incorrect Personal Information : Bankruptcy XXXX XXXX ( Case XXXX XXXXXXXX, unverified ). 

Unauthorized Inquiry : XXXX XXXX ( XX/XX/XXXX ). 

Unverified Account : XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Unverified Account : XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Unverified Account : XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Unverified Account : XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Unverified Account : XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Unverified Account : XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not mine ). 

Unverified Account : XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect Personal Information : XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, unverified ). 

Unverified Account : XXXX XXXX XXXX  ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Incorrect Amount : XXXXXXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Duplicate Account : XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Incorrect Amount : XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Unverified Account : XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Unverified Account : XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Incorrect Amount : XXXXXXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Unverified Account : XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Unverified Account : XXXX XXXX XXXX. ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unverified Account : XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Unverified Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Incorrect Amount : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Incorrect Amount : XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect Amount : XXXX XXXX XXXX  ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect Amount : XXXX XXXXXXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect Amount : XXXX XXXX XXXX ( Account # XXXX * * * * * * * * * * * * * * * * * ). 

Incorrect Amount : XXXX XXXXXXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Incorrect Amount : XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Incorrect Amount : XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Unverified Account : XXXXXXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Unverified Account : XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Other Information : XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrect ). 

Specific FCRA Violations : TransUnions actions violate multiple FCRA provisions : Failure to Investigate ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : TransUnion did not investigate the 33 disputed items within 30 days, now exceeding 48 days.

Failure to Notify Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : No evidence exists that TransUnion notified furnishers within 5 business days.

Failure to Provide Response ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : TransUnion has not provided a written notice detailing investigation results, required after the 30-day period.

Unreasonable Barriers ( 15 U.S.C. 1681g ( c ) ) : Their XX/XX/XXXX, demand for additional documentation obstructed my dispute rights. 

Failure to Delete Unverified Items ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) : TransUnions non-investigation mandates deletion of all disputed items, which they have not done.

Impact of TransUnions Non-Compliance TransUnions failure to correct or delete these

33 inaccurate items has caused significant harm : Financial Harm : Inaccurate reporting, including unverified accounts and incorrect personal information, risks credit denials, higher interest rates, and limited financial opportunities, such as loans or housing. Emotional Distress : The persistence of erroneous items and TransUnions stalling have caused undue XXXX XXXX and frustration.

Time and Resources : Ive invested substantial time drafting letters, gathering evidence, and pursuing resolution, with no response from TransUnion.

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