Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with various provisions under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ).

Violation of 15 USC 1681e ( b ) : I submitted multiple disputes ( in XX/XX/year> ) to TransUnion requesting the removal of inaccuracies on my credit report. However, the inaccuracies remain unaddressed. Under this section of the FCRA, TransUnion is required to ensure the accuracy and completeness of my credit report. This failure to remove errors has caused me significant stress and confusion, as I am unable to move forward with necessary financial transactions.

Violation of 15 USC 1681s-2 : TransUnion has failed to conduct a reasonable investigation into disputes I raised regarding inaccurately reported accounts. Despite my clear and documented disputes, there has been no reasonable resolution or removal of inaccuracies. This has had a negative effect on my credit score, preventing me from obtaining new credit or qualifying for better rates, which has affected my ability to make essential purchases or manage debt effectively. 

Violation of 15 USC 1681i ( 5 ) : Despite my repeated attempts to resolve disputes, TransUnion has failed to reinvestigate items within the required 30-day timeframe. As a result, the inaccuracies on my report persist, and I have not received an explanation or summary of their findings. This delay in addressing my disputes has prevented me from resolving critical discrepancies that are negatively impacting my financial stability. Violation of 15 USC 1681c ( c ) : TransUnion has not removed
outdated information from my credit report, even though it is in violation of the FCRA. The continued reporting of this outdated information has further harmed my credit score and limited my financial opportunities.

Impact on My Life : These unresolved issues have caused significant emotional and financial distress. The inaccuracies and outdated information on my credit report have : Resulted in higher interest rates on loans and credit products, leading to unnecessary financial strain.

Prevented me from qualifying for important financial opportunities, such as applying for a mortgage and car loan, which are critical for my personal and family goals. 
Damaged my creditworthiness, causing me to feel frustrated and helpless in trying to regain control of my financial future. 
I have made several attempts to resolve these issues directly with TransUnion by submitting disputes requesting the removal of inaccuracies on my credit report. Despite these efforts, I have not received a satisfactory response or resolution. 

Desired Resolution : I request that TransUnion take immediate action to : Remove the inaccuracies on my credit report.

Conduct a proper reinvestigation of the disputed items and ensure they are resolved within the required timeframe.

Remove outdated information from my credit report, in compliance with the FCRA.

Provide me with a written response detailing the steps they have taken to comply with the relevant sections of the FCRA and an explanation of the findings.

Please confirm receipt of this complaint and keep me updated on the status of the investigation. I trust that the CFPB will take appropriate action to ensure TransUnion complies with the relevant provisions of the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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