Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Formal CFPB Complaint TransUnion Willful FCRA and CFPA Violations, Gross Negligence, Bad Faith Subject : TransUnion Failure to Properly Investigate Dispute, Inaccurate Reporting of Student Loan Accounts, and Violations of Federal Consumer Protection Laws Complaint Details : I am filing a formal complaint against TransUnion LLC for multiple serious violations of federal consumer protection statutes, including but not limited to : The Fair Credit Reporting Act ( FCRA ) The Consumer Financial Protection Act ( CFPA ) Operating with gross negligence and in bad faith TransUnion has failed to properly process, investigate, and correct materially inaccurate credit reporting related to my federally serviced student loan accounts despite having been given formal, timely notice. 

Timeline of Events : XX/XX/year> : My formal dispute, sent via Certified Mail, was delivered to TransUnion ( USPS proof attached ).

This dispute explicitly challenged the reporting of multiple Department of Education student loan accounts associated with my XXXXserviced loan account ( XXXX ). 

XX/XX/year> : TransUnion issued a misleading and deceptive response claiming the dispute was received " 7 days ago, '' improperly attempting to manipulate the statutory 30-day investigation period set forth in FCRA 1681i ( a ) ( 1 ) ( A ). 
( Attachment : TransUnions emailed response. ) XX/XX/year> : As of the end of the required 30-day period, TransUnion had not lawfully completed a proper reinvestigation. Disputed accounts remain on my credit file without proper verification, constituting continued inaccurate reporting. 

XX/XX/year> : Transunion sent an email stating : " We found the information you disputed does not currently appear on your Transunion credit report. '' Today, XX/XX/year> : TransUnion continues to report the disputed accounts, demonstrating both bad faith and gross negligence in fulfilling their federally mandated obligations. 

Student Loan Accounts Involved : These accounts, all stemming from my original XXXX account XXXX, remain inaccurately reported under masked U.S. Department of Education account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At no point has TransUnion provided any documented, independent verification proving the legal accuracy of these accounts. 
Their continued presence after formal dispute notice constitutes violations of multiple federal statutes.

Specific Violations Committed by TransUnion : FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable and timely reinvestigation of disputed information within 30 days. 

Misrepresentation of dispute receipt date to unlawfully extend the investigation period. 

FCRA 1681e ( b ) : Failure to employ reasonable procedures to ensure maximum possible accuracy of credit reports.

FCRA 1681s-2 ( b ) : Continuing to report information that has been formally disputed without conducting a proper reinvestigation or being able to substantiate the accuracy of the accounts.

FCRA 1681c ( a ) : Reporting obsolete, outdated, or unverifiable derogatory information.

FCRA 1681g : Failure to provide complete disclosures and failure to provide the method of verification used to maintain the disputed accounts. 

CFPA 5531, 5536 : Engaging in unfair, deceptive, and abusive acts and practices ( UDAAP ) by : Misleading the consumer about the dispute timeline.

Continuing inaccurate reporting without a lawful basis.

Obstructing and frustrating the federally protected dispute process.

Bad Faith and Gross Negligence : TransUnion demonstrated a conscious disregard for federally mandated obligations under FCRA. 

Willfully misstating the dispute receipt date to gain an unfair procedural advantage. 

Failing to perform even the most basic validation of the disputed accounts. 

Falsely representing that disputed information " does not appear '' while continuing to publish the negative tradelines. 

Harm and Consumer Injury : Due to TransUnions unlawful reporting practices : My consumer credit profile remains materially inaccurate.

I have suffered reputational harm, credit denials, and ongoing financial injury.

I have been forced to expend time and resources disputing and attempting to correct these false entries.

Their actions have directly undermined the purpose and protections of the FCRA and CFPA.

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 explanation