Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
I am writing to formally lodge a complaint against TransUnion for engaging in deceptive, unfair, and obstructive verification practices regarding my consumer credit report. Despite my repeated disputes of erroneous information on my credit report, TransUnion has continued to verify these inaccuracies without providing me with the verification documentation I explicitly requested, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, TransUnion has engaged in stall tactics designed to hinder my ability to correct my credit report by repeatedly requesting identification documents, proof of address, and Social Security number verificationdespite the fact that I had already submitted these materials multiple times. These repeated and baseless requests serve only to obstruct my dispute resolution, prolong the presence of errors on my credit report, and unjustly hinder my ability to access fair credit. 

These deceptive and obstructive actions have had serious financial consequences for me. Due to TransUnions failure to conduct a fair and transparent investigation, I have been denied credit and faced unfavorable loan terms, directly impacting my ability to purchase a home and obtain reasonable financing for a vehicle.

TransUnions practices violate key provisions of the Fair Credit Reporting Act, including but not limited to : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) TransUnion is required to conduct a fair and timely investigation when a consumer disputes inaccurate information. The repeated verification of erroneous data without providing supporting documentation suggests a failure to comply with this obligation.

Failure to Provide Verification Documents Upon Request ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) When an item is verified as accurate, the consumer has the right to request and obtain the details of such verification. TransUnions failure to provide this documentation violates my rights under the law.

Unfair Stall Tactics and Consumer Obstruction TransUnions repeated and unnecessary requests for identification documents serve no legitimate purpose other than to delay my dispute resolution process, ultimately restricting my ability to access fair credit.

I request that the CFPB take immediate action against TransUnion to enforce compliance with federal law, cease these deceptive practices, and immediately block and delete inaccurate accounts from my consumer credit report. I also seek the following remedies : A full and proper investigation into the errors on my credit report.

The immediate removal or correction of any unverified or inaccurate information.

A formal explanation from TransUnion regarding their failure to provide verification documentation.

Immediate enforcement actions against TransUnion to correct its dispute process, ensure FCRA compliance, and prevent further consumer harm.

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at the information provided above should you require any further details regarding my complaint.

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