Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Subject : Ongoing Violations by TransUnion Failure to Properly Investigate, Refusal to Delete Negative Accounts, and Lack of Response in Multiple Disputes Summary of Complaint : I am filing this formal complaint against TransUnion for continued violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ). Despite multiple disputes filed by meand previous complaints submitted through the CFPBTransUnion has failed to conduct proper investigations, has refused to remove erroneous or unverifiable negative accounts, and has consistently failed to provide documentation to support its reporting.

Below is a detailed breakdown of each disputed account that remains inaccurately reported on my credit file : -- - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 's Response : Only updated the Last Payment field but failed to delete the account or provide supporting documentation. 

Issue : The account was transferred to another lender and is closed, yet it continues to report active with a balancethis misleads creditors and artificially impacts my score.

Violation : 15 U.S.C. 1681e ( b ) Reporting obsolete and misleading information. 



XXXX XXXX XXXX XXXX XXXX XXXXXXXX Type : Credit Card Balance : {$15000.00} Issue : The account was closed by the grantor, yet TransUnion continues to report late payments and derogatory data. No documentation was provided upon dispute.

Violation : 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ) 3. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} Issue : The account shows multiple XXXX, XXXX, XXXX, and XXXX late payments without any legal verification provided. TransUnion simply stated verified as accurate, which is insufficient. 

Violation : 15 U.S.C. 1681i ( a ) and 1681e ( b ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} Issue : Same pattern of response. TransUnion did not eliminate the account and responded with generic language without any proof of validation. 

Violation : XXXX5 U.S.C. 1681i ( a ) 5. XXXX XXXX XXXXXXXX / XXXX # XXXX Issue : This account was closed in XXXX and has had a {$0.00} balance since then, yet TransUnion refused to delete it and continues to include it in my report. 

Violation : 15 U.S.C. 1681e ( b ) 6. XXXX XXXX # XXXX Issue : This account was previously removed and has now been reinserted without any notice or documentation, in clear violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). It is also reporting derogatory payment history that has not been verified.

Violation : 15 U.S.C. 1681i ( a ) Conclusion and Demand : TransUnion has displayed a pattern of systemic negligence, lack of transparency, and repeated violations of consumer protection laws. Their responses to my disputes have been generic, unsupported, and legally inadequate. I am demanding the immediate deletion of all listed accounts and a full investigation into TransUnions handling of these matters.

Additional Note : A formal written letter was also mailed directly to TransUnion regarding these same accounts. Their response is pending. All supporting documentation and evidence related to this complaint, including prior disputes and TransUnion 's responses ( or lack thereof ), are being submitted and attached herewith as part of this CFPB 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