Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB complaint number : XXXX To Whom It May Concern, I am filing this complaint regarding TransUnion 's failure to address inaccuracies in my credit report and its willful noncompliance with the Fair Credit Reporting Act ( FCRA ). This ongoing issue has caused significant harm to my credit score and financial reputation. 

Background On XX/XX/year>2024, I noticed an unexplained and unjustified dip of over XXXX points in my TransUnion credit score, dropping it from XXXX to XXXX. I immediately reviewed my credit report and found no new accounts, missed payments, derogatory marks, or significant changes in credit utilization to justify such a drop. 

My Efforts to Resolve the Issue Since then, I have contacted TransUnion multiple times to dispute the inaccurate credit score and request a reinvestigation. Despite providing evidence of my excellent credit habits and stable scores with other bureaus, I have only received vague or dismissive responses, and the issue remains unresolved. Seven months have passed without any meaningful resolution. 

Violations of the FCRA Under the FCRA, TransUnion is legally obligated to : Ensure the maximum possible accuracy of the information it reports.

Conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. 
Provide the consumer with the results of the reinvestigation and correct or delete any inaccurate information. 
TransUnions failure to address my dispute, conduct a reasonable reinvestigation, or correct the inaccurate information constitutes willful noncompliance under 15 U.S.C. 1681n.

Harm Caused by TransUnion 's Inaction The inaccurate credit report has caused the following harm : Damage to my financial reputation.

Potential impact on my ability to secure favorable financial opportunities.

Requested Resolution I am seeking the following : A thorough and immediate reinvestigation into the cause of the credit score drop. 
Correction or removal of all inaccurate information from my credit report. 
A detailed written explanation of the investigation findings and corrective actions taken. 
If TransUnion fails to comply with its legal obligations, I will pursue further action, including : Filing formal complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. 
Seeking damages through legal proceedings, as provided for under the FCRA. 
Supporting Evidence Attached to this complaint are the following documents : Screenshots of my credit reports and scores showing the discrepancy. 
Correspondence with TransUnion regarding my disputes. 
Evidence of my stable credit history and scores with other bureaus. 
I trust that the CFPB and TransUnion will take this matter seriously and act swiftly to resolve this issue.

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