Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
ReF : XXXX Subject : Urgent Complaint Regarding Delayed Credit Report Dispute & Ongoing Harm Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this formal complaint against Transunion regarding their failure to promptly and adequately resolve my dispute concerning inaccurate and harmful information on my credit report. 

Complaint Details : XXXX, I filed a dispute regarding regarding an inaccurate report ( The collection account from PORTFOLIO RECOVERY ( Account : XXXX ) under my rights outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

TransUnion acknowledged receipt of my dispute and issued an interim response stating they would take up to 60 days to review my complaint.

However, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must complete a reinvestigation within 30 days unless additional information is provided by the consumer, in which case they may extend to 45 days. The 60-day timeline they provided exceeds the legally allowed timeframe.

TransUnion is currently reporting the status of the disputed account as a collection account, even while the reinvestigation is ongoing. This is causing continued and unjustified harm to my credit profile.

Impact on My Financial Situation : This inaccurate negative item is significantly affecting my financial stability, causing : Difficulty obtaining credit or loans.

Increased interest rates or denial of credit.

Potential harm to employment opportunities.

Applicable Legal Violations : The companys delay and failure to resolve this issue in a timely manner violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate and correct inaccurate information.

15 U.S.C. 1681e ( b ) Requirement for consumer reporting agencies to ensure maximum possible accuracy of credit reports.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requirement to complete reinvestigation within 3045 days.

15 U.S.C. 1681n & 1681o Liability for willful or negligent noncompliance, which may result in statutory damages, attorney fees, and actual damages.

15 U.S.C. 1681s-2 ( a ) ( 3 ) Prohibition against furnishing information that is knowingly inaccurate or incomplete.

Requested Resolution : Due to the significant financial hardship this delay is causing me, I am requesting that the CFPB : Expedite this complaint and require an immediate resolution.

Hold TransUnion accountable for failing to comply with the FCRA.

Ensure the immediate correction or removal of the inaccurate information from my credit report.

Prohibit TransUnion from continuing to report this account as a collection while the reinvestigation is in progress.

I appreciate the CFPBs assistance in this matter and look forward to a prompt resolution. 

Sincerely, XXXX

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