Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
COMPLAINT AGAINST : Company Name : TransUnion, LLC Issue : Failure to Ensure Accuracy, Block Fraudulent Information, and Conduct Reasonable Reinvestigation of Disputed Accounts SUMMARY OF COMPLAINT : I am filing this complaint against TransUnion, LLC, for its egregious violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. TransUnion has displayed gross negligence in fulfilling its obligations as a consumer reporting agency, resulting in significant harm to my creditworthiness, financial opportunities, and emotional well-being. 

Despite repeated disputes, submission of identity theft reports, and requests for corrections, TransUnion has : Failed to ensure maximum possible accuracy of my credit report. 
Refused to block fraudulent information, even after being provided with all required documentation. 
Neglected to conduct a reasonable reinvestigation of disputed accounts, instead verifying inaccurate and fraudulent information as accurate. 
These failures have caused severe financial harm, emotional distress, and damage to my credit score, which dropped to XXXX due to TransUnions negligence.

SPECIFIC VIOLATIONS BY TRANSUNION : 1. Failure to Ensure Maximum Possible Accuracy Violation : FCRA 1681e ( b ) Details : TransUnion failed to maintain reasonable procedures to ensure that the information in my credit report is accurate. 

XXXX XXXX Account : Reported inconsistent balances and credit limits across credit bureaus. 
Example : Balance reported as {$46000.00}, with conflicting credit limits of {$37000.00} and {$0.00}. 
Payment history inconsistently marked as Derogatory and XXXX XXXX. 
XXXX XXXX Account : Fraudulent account reported as delinquent and in collections despite being flagged as identity theft. 
Impact : My credit score was severely impacted, dropping to XXXX, which has limited my ability to secure loans, credit, and other financial opportunities. 
XXXX. Failure to Block Fraudulent Information Violation : FCRA 605B Details : TransUnion refused to block a fraudulent account from my credit report, despite being provided with all required documentation, including : Two identity theft reports, dated XX/XX/year>. 
Proof that I did not open or authorize the XXXX XXXX account. 
TransUnion declined my fraud block request on XX/XX/year>, citing irrelevant factors such as prior payment history and account opening datesnone of which negate the fact that the account is fraudulent. 

Impact : The continued reporting of the fraudulent XXXX XXXX account has caused significant damage to my financial reputation and emotional well-being. 
XXXX. Failure to Conduct a Reasonable Reinvestigation Violation : FCRA 1681i ( a ) Details : TransUnion failed to conduct a reasonable reinvestigation of disputed accounts within the required 30-day timeframe. 

Disputes were filed on XX/XX/year>, and XX/XX/year>, regarding inaccuracies in the XXXX XXXX account and the fraudulent XXXX XXXX account. 
On XX/XX/year>, and XX/XX/year>, TransUnion responded by stating the information was verified as accurate without addressing clear evidence of inaccuracies and fraud. 
Impact : XXXX failure to investigate perpetuated the reporting of inaccurate and fraudulent information, further harming my credit score and financial opportunities. 
XXXX. Negligence in Adhering to XXXX XXXX Compliance Standards Violation : Failure to comply with XXXX XXXX industry standards for consistent and accurate credit reporting. 

Details : TransUnion reported inconsistent and inaccurate information across credit bureaus for the XXXX XXXX account. 
Example : Discrepancies in account balances, credit limits, and payment histories. 
TransUnion continued reporting the fraudulent XXXX XXXX account without proper investigation or correction. 
Impact : XXXX negligence in adhering to XXXX XXXX standards directly contributed to the inaccuracies on my credit report and the harm caused by those inaccuracies. 
CHRONOLOGICAL TIMELINE OF EVENTS : Date Event Notes XX/XX/year> Identified inaccuracies in XXXX XXXX  and XXXX Funding accounts on TransUnion credit report. Errors included discrepancies in account balances, payment history, and account status. 
XX/XX/year> Reviewed additional TransUnion report for XXXX XXXX account. XXXX XXXX account reported inconsistently with derogatory status and incorrect balance. 
XX/XX/year> Identified further inaccuracies in XXXX  credit report. XXXX accounts reported late, including XXXX and XXXX XXXX, with {$2900.00} in collections. 
XX/XX/year> Submitted disputes to TransUnion and XXXX XXXX XXXX  ( XXXX ). Requested corrections for XXXX XXXX account and flagged XXXX XXXX as fraudulent. 
XX/XX/year> Received response from TransUnion stating disputed information was verified as accurate. No corrective action taken despite clear evidence of inaccuracies. 
XX/XX/year> Submitted identity theft reports to support fraud block request. Provided all required documentation to TransUnion. 
XX/XX/year> XXXX block request declined by TransUnion for XXXX XXXX account. TransUnion cited irrelevant factors such as prior payment history. 
XX/XX/year> Filed additional disputes with XXXX, TransUnion, and XXXX  regarding inaccuracies. Requested corrections to account details and derogatory statuses. 
XX/XX/year> Received responses from credit bureaus stating information was verified as accurate. No changes made to the account details or derogatory statuses. 
XX/XX/year> Submitted complaints to the CFPB and XXXX  regarding unresolved disputes and inaccuracies. Complaints focused on violations of FCRA and Metro 2 standards. 
IMPACT OF TRANSUNIONS NEGLIGENCE : Credit Damage : My FICO score dropped to XXXX, limiting my ability to secure loans, credit, and other financial opportunities. 
Financial Harm : Inaccurate and fraudulent reporting has prevented me from accessing financial resources and opportunities. 
Emotional Distress : XXXX negligence and refusal to resolve disputes have caused significant emotional distress and frustration. 
REQUESTED RESOLUTIONS : Immediate Corrections : Correct inaccuracies in the XXXX XXXX  and XXXX XXXX  accounts, including balances, payment histories, and account statuses. 
Fraud Block Implementation : Block the fraudulent XXXX XXXX  account from my credit report in compliance with FCRA 605B. 
Reinvestigation : Conduct a thorough reinvestigation of disputed accounts in compliance with FCRA 1681i ( a ). 
Compensation : Provide restitution for financial and emotional harm caused by XXXX negligence. 
Written Confirmation : Provide written confirmation that all inaccuracies and fraudulent information have been addressed and corrected. 
CONCLUSION : XXXX actions demonstrate a blatant disregard for federal law and industry standards, resulting in severe harm to my creditworthiness, financial opportunities, and emotional well-being. I respectfully request that the CFPB take immediate action to enforce compliance with the FCRA, hold TransUnion accountable for its negligence, and ensure that my credit report is corrected.

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