Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
TransUnion has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXXXXXX Dispute Account Information Address XXXX XXXX XXXX XXXX, MA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Balance {$0.00} Date Updated XX/XX/XXXX Payment Received XXXX Last Payment Made XX/XX/XXXX High Balance {$120.00} Original Creditor XXXX AN XXXXXXXX XXXX Past Due {$0.00} Pay Status >Account Paid in Full was a Collection< Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PAID XXXX XXXX XXXX XXXX XXXX 
Location XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Participant TEACHERS FCU Location XXXX XXXX XXXX XXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual CAPITAL XXXX VIA DEALER Location XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual RELIABLE AUTO XXXX XXXX Location XXXX XXXX XXXX XXXX WYOMING, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX via XXXX SOURCE Location XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX via XXXX XXXX DO Location XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX OAK XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type Participant Permissible Purpose CREDIT TRANSACTION XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX OF XXXX via XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION ALLY FINANCIAL Location XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual ASSOCIATED BANK Location XXXX XXXX XXXX XXXX XXXX, WI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX BANK XXXX XXXX TOWNE SQUARE MAIL STOP XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type Individual LEGENDS NO XXXX via XXXX MTRS XXXX Location XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION CREDIT ACCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIRD FLOOR XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual CAPITAL XXXX Location XXXX CAPITAL XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual HONOR CREDIT UNIONCUDL Location XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX BANK DEALER SERVICES C Location XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX KANSAS XXXX XXXX MO XXXX XXXX On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION

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