Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against TransUnion Regarding Inaccurate Credit Reporting and Violation of the FCRA Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for reporting inaccurate credit information, in violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report.

Nature of the Complaint : Account in Question : Creditor : XXXX XXXX  Account Number : XXXX TransUnion is reporting an inaccurate date of first delinquency for the above-referenced account. This date does not match my records, and the discrepancy is adversely impacting my credit score and financial reputation. 

Despite submitting disputes to both XXXX XXXX  and TransUnion, the incorrect reporting remains uncorrected. As you are aware, 15 U.S.C. 1681s-2 requires that furnishers of information must provide accurate data and must correct any known inaccuracies upon receiving notice of a dispute. 

The continued presence of this erroneous information strongly suggests that TransUnion has failed to maintain reasonable procedures to ensure data accuracy, as required under 15 U.S.C. 1681e ( b ).

Furthermore, 15 U.S.C. 1681i requires credit bureaus to conduct a reasonable investigation within 30 days of a consumer dispute. Neither TransUnion nor XXXX XXXX  has provided any substantive or verifiable evidence supporting the reported delinquency. Their responses have been vague, insufficient, and unhelpful. 

Additionally, TransUnion is reporting a separate collection account placed by XXXX XXXX, which also remains unverified and unresolved. Under 15 U.S.C. 1681e ( b ), TransUnion is obligated to employ reasonable procedures to ensure maximum possible accuracy of the data they furnish. TransUnions ongoing failure to address this discrepancy demonstrates a clear lack of adherence to this statutory obligation.

Under 15 U.S.C. 1681i, TransUnion must also conduct a reasonable investigation within 30 days of receiving a formal dispute. To date, no meaningful investigation appears to have been conducted, and no verifiable documentation has been provided to substantiate the validity of the alleged debt. The responses I have received from both TransUnion and XXXX XXXX  have been vague, insufficient, and noncompliant.

My Request : 1. A full and thorough investigation by the CFPB into TransUnions handling of my disputes and the validity of the information being reported.

2. A formal correction or deletion of the inaccurate information if it can not be substantiated.

3. A complete disclosure of my XXXX XXXX XXXX ( XXXX ) profile from TransUnion. 

Given the CFPBs prior enforcement actions against other consumer reporting agencies, I trust your office will hold TransUnion accountable and help protect my rights as guaranteed by the FCRA. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX 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 explanation