Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
[ XXXX, XXXX, XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX first floor ] [ XXXX, New York XXXX XXXX ] [ XXXX ] [ XXXX ] [ Your Date of Birth : XX/XX/XXXX ] [ Your Social Security Number : XXXX ] [ Note : The CFPB may need this to investigate. You can also provide it securely through their online portal. ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, Iowa XXXX RE : FORMAL COMPLAINT AGAINST TRANSUNION SUBJECT : WILLFUL AND NEGLIGENT NON-COMPLIANCE WITH FEDERAL LAW, INACCURATE CREDIT REPORTING, AND DAMAGES To Whom It May Concern : I am writing to file a formal complaint against the credit reporting agency, TransUnion, for their persistent, willful, and negligent failure to comply with multiple federal consumer protection laws. This complaint details their consistent reporting of inaccurate, obsolete, and false information on my consumer credit report, which constitutes a serious violation of my rights and has caused me significant financial and emotional harm. 

Despite my repeated attempts to dispute these errors directly with TransUnion through the procedures outlined by the Fair Credit Reporting Act ( FCRA ), they have either failed to conduct a reasonable investigation or have failed to correct the inaccurate information. Their actions demonstrate a pattern of non-compliance and a blatant disregard for federal law. 

Specific Inaccuracies on My TransUnion Credit Report : I have identified the following specific items on my TransUnion credit report ( Report # : [ Insert your TransUnion Report ID if you have it ] ) that are inaccurate, incomplete, or do not belong to me : XXXX. Creditor Name : [ e.g., XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Inaccuracy : The account is reporting a late payment from [ XXXX, Year : XXXX ], which is incorrect. I was never late on this account. 
XXXX. Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] [ Add or remove items as necessary to match your specific situation ( such as hard inquiries I didnt approve of, Child Support, and XXXX ] Laws Violated by TransUnion : TransUnion XXXX actions are in direct violation of numerous federal statutes and regulations, including but not limited to : XXXX. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1681e ( b ) - Reasonable Procedures : Failure to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 
1681i - Dispute Process : Failure to conduct a reasonable reinvestigation of disputed information, failure to correct inaccurate information, and failure to delete information that can not be verified. 
XXXX. The XXXX XXXX XXXX XXXX ( XXXX ), 12 U.S.C. 5531 et seq. : TransUnion has engaged in unfair, deceptive, and abusive acts and practices ( XXXX ) in their handling of my credit information and their dispute resolution process. 
XXXX. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : ( If applicable, if the inaccurate information is from a debt collector ) Reporting information that is known or should be known to be false or misleading. 
4. Fair Credit Billing Act ( FCBA ) : ( If applicable, related to billing errors on revolving accounts that were not resolved ). 
XXXX. State Consumer Protection Laws : These actions also likely violate the consumer protection statutes of my state, [ Your State ], such as the [ Your State ] Unfair and Deceptive Acts and Practices ( UDAP ) law. 

Legal Recourse and Damages Sought : Due to TransUnion 's willful and negligent non-compliance, I have suffered concrete damages, including but not limited to : Denial of credit ( e.g., a mortgage/auto loan/credit card application ) Higher interest rates on approved credit Inability to refinance existing debt, resulting in financial loss Emotional distress, humiliation, and damage to my reputation Lost time and resources spent attempting to correct these errors. 

Under the laws cited above, specifically the FCRA ( 15 U.S.C. 1681n & 1681o ), I am entitled to seek compensation for : Actual Damages : For the financial harm and emotional distress incurred. 
Statutory Damages : For willful non-compliance. 
Punitive Damages : To punish TransUnion for their reckless and willful disregard of the law. 
Court Costs and Reasonable Attorneys Fees. 

Request for Action : I request that the CFPB immediately investigate TransUnion for these violations. I further request that the CFPB : 1. Order TransUnion to immediately and permanently delete all inaccurate, unverified, and obsolete information from my credit file.

2. Ensure TransUnion conducts a proper, legally-compliant investigation into all disputed items.

3. Hold TransUnion accountable for their systemic failures and violations of federal law.

4. Provide me with a full, unredacted copy of my updated credit report once the corrections have been made.

I have attached the following documents to support my complaint : Copy of my TransUnion credit report with inaccuracies highlighted. 
Copies of my dispute letters sent to TransUnion ( XXXX Mail Receipts # [ Insert Numbers ] ). 
Copies of any responses received from TransUnion. 
[ Any other supporting documents, like proof of on-time payments, identity theft report, etc. ] I tried to get the reports, however TransUnion is only giving my partial information and not the whole even when I try to get the correct, and additional information from Equifax, and Experian. 

I expect a timely resolution to this matter. Thank you for your attention to this serious issue. 

Sincerely, ( XXXX, XXXX, XXXX, XXXX ) [ XXXX, XXXX, XXXX, XXXX ]

Company response to consumer: Closed with explanation