Consumer complaint received 2025-01-25 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:
I am filing this formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the accuracy of information reported on my credit profile. Despite submitting disputes with supporting evidence, TransUnion has failed to conduct reasonable investigations and continues to inaccurately report incorrect information on my credit report.

This practice violates the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit information. Furthermore, TransUnions negligence to ensure the accuracy of my credit report violates 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reporting.

Below, I have detailed specific inaccuracies and unauthorized inquiries that require immediate correction or removal : XXXX. XXXX XXXX XXXX ( {$72.00} ) This closed account has been paid in full, and I have confirmation that the account would be deleted upon payment. TransUnions failure to honor this agreement violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate information, and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires reasonable investigation upon dispute. 

XXXX. XXXX XXXX ( {$1100.00} ) This closed account remains inaccurately reported despite my dispute. TransUnion has failed to perform a proper investigation to verify the accuracy of this account, which violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Additionally, the ongoing reporting of this account violates 15 U.S.C. 1681e ( b ). 

XXXX. XXXX XXXX XXXX ( {$270.00} ) TransUnion has failed to validate this account or conduct a proper reinvestigation despite my disputes. This violates both 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and the requirements for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

XXXX. XXXX XXXX XXXX ( {$66.00} ) This account has been paid in full, and I have proof of payment. The reporting agency assured me this account would be deleted immediately, yet TransUnion continues to report it. This constitutes a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX. XXXX XXXX ( {$12000.00} ) This account remains on my report despite multiple disputes and requests for verification. TransUnions failure to validate or reinvestigate this account violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1692g ( b ). 

XXXX. Unauthorized Inquiries XXXX ( Inquiry Date : XXXX XXXX, XXXX  ) XXXX ( Inquiry Date : XXXX XXXX, XXXX  ) XXXX XXXX ( Inquiry Date : XXXX XXXX, XXXX ) These inquiries were not authorized by me and therefore violate 15 U.S.C. 1681b, which restricts permissible purposes for accessing consumer reports. I have disputed these inquiries with TransUnion, yet they remain on my credit file. I demand the immediate removal of these inquiries. 

Summary of Violations : Failure to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Reporting inaccurate information in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681e ( b ).

Failure to remove unauthorized inquiries in violation of 15 U.S.C. 1681b.

Non-compliance with validation requirements under 15 U.S.C. 1692g ( b ). 

A full review of my credit report to ensure all inaccurate or outdated information is removed. 

I expect the CFPB to hold TransUnion accountable for these violations and ensure compliance with federal law. I have attached supporting documentation, including proof of payment and previous dispute correspondence, to assist in resolving this matter. 

Thank you for your prompt attention to this issue. I look forward to your response.

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