Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report inaccurate information, failing to delete disputed items, and refusing to provide verification or proper documentation as required by the Fair Credit Reporting Act ( FCRA ). 


-- - Summary of Issue : TransUnion has not deleted any of the inaccurate items that I previously disputed. 
Instead of deleting them, TransUnion continues to update, maintain, or fix accounts that I clearly requested to be removed from my credit report. 

I have already provided proof of these inaccuracies through prior CFPB complaints and letters that were sent directly to TransUnion. 
Despite multiple disputes, TransUnion has not produced any documentation showing how or from whom they verified the accounts. 
This is a repeated violation of my rights under the FCRA. 


-- - Violations and Legal Grounds : TransUnion has violated the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information. 

15 U.S.C. 1681g ( a ) Failure to provide complete information and copies of the investigation results from my consumer file. 

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. 

15 U.S.C. 1681s-2 ( b ) Failure to ensure furnishers provide verified and accurate information. 

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide notice and proof before reinserting previously deleted items. 



-- - What I Am Requesting : 1. Permanent deletion of all disputed and unverifiable accounts from my TransUnion credit file, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and any other account previously updated instead of deleted. 


2. Copies of all documentation used to verify these accounts including all investigative results, communications, and proof TransUnion received from the furnishers. 


3. Written certification that all inaccurate or unverifiable information has been permanently deleted and will not be reinserted without full documentation and notice. 


4. A full copy of my consumer file under 15 U.S.C. 1681g, including dispute records, internal notes, and all data linked to my prior complaints and investigations. 




-- - Statement : TransUnion continues to give inconsistent and incomplete responses, while inaccurate data remains on my credit file. They have failed to verify disputed accounts, failed to remove inaccurate data, and failed to provide documentation proving their investigations were conducted properly. 
This conduct violates the Fair Credit Reporting Act, and I am requesting that the CFPB review and compel TransUnion to comply with all provisions of the law. 

If TransUnion can not provide full legal proof of verification for each disputed account, those accounts must be permanently deleted. 

Thank you,

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