Consumer complaint received 2025-05-05 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: WI

Complaint narrative:
Subject : TransUnions Continued Reporting of Inaccurate and Unverified Information in Violation of the FCRA and ECOA Summary of Complaint : TransUnion is willfully reporting inaccurate, incomplete, and harmful information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., and associated regulations including 12 CFR 1002.2 ( f ).

Factual Background : I have submitted several documented disputes directly to TransUnion, the CFPB ( XXXX, XXXX, XXXX, XXXX, and XXXX ) and to the individual furnishers concerning multiple accounts and inquiries appearing on my credit report. As of this filing, TransUnion continues to display adverse information on accounts that are : Fully paid ; Disputed due to lack of security documentation and executed contracts ; Used as the basis for at least one documented denial of credit. 

On XX/XX/scrub> 2025, I submitted a formal dispute letter to TransUnion ( attached as TrasUnion dispute 2.pdf ) requesting investigation and verification of all accounts appearing on my credit report. I specifically requested copies of security documentation and original contracts pursuant to the FCRA and ECOA ( including 12 CFR 1002.2 ( f ) ). 

On XX/XX/scrub> 2025, TransUnion responded via letter # XXXX by merely issuing a full copy of my credit report. They failed to provide any records of contracts or collateral approvals for the disputed accounts and removed only one account ( XXXX ) while leaving harmful tradelines related to XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXXXXXX XXXXall of which I disputed with the original furnishers and with some additional complaints. 
In a separate letter dated XX/XX/scrub> 2025 ( attached as TransUnion Dispute 1.pdf ), I also disputed fourteen hard inquiries and requested validation records. On XX/XX/scrub> 2025, TransUnion responded with another full credit report ( File # XXXX ) and failed to remove the disputed inquiries or provide any documentation from the furnishers regarding contractual agreements or permissible purpose under 15 U.S.C. 1681b.

Violation of Consumer Rights and Demonstrable Harm : The continued reporting of these adverse accounts and hard inquiriesdespite payment, dispute, and lack of verificationhas caused measurable harm. On XX/XX/year>2025, XXXXXXXX XXXX denied my mortgage application. Their written notice cited TransUnions report as containing : Serious delinquency or collection ; Unknown delinquency periods ; High revolving balances ; Multiple accounts with delinquencies ; Excessive inquiries adversely impacting my credit score ( FACTA reference ).

This last decision occurred despite no active derogatory information remaining and despite my timely disputes and records showing payment. TransUnions refusal to remove these unverified itemsdespite legal requests and supporting documentationconstitutes a willful violation of : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation ; FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy ; FCRA 1681b : Failure to verify permissible purpose for credit inquiries ; ECOA & 12 CFR 1002.2 ( f ) : Failure to verify collateral or security documentation as part of the credit decision-making process.

I am respectfully request CFPB enforcement action or supervisory review in light of the repeated and systemic nature of TransUnions violations

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