Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint against TransUnion LLC Legal Department for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ), including false reporting, failure to conduct a proper investigation, omission of accurate tradelines, and unauthorized placement of a false identity theft victim statement on my credit file. 

I have an active arbitration case filed with the XXXX XXXX XXXX ( XXXX ) regarding these same issues, but I am willing to withdraw my case if TransUnion corrects and restores my credit file in full by XX/XX/year>. 


XXXX. Failure to Conduct Proper Investigation FCRA 611 ( a ) TransUnion failed to conduct a meaningful reinvestigation of my disputes regarding multiple accounts that were incorrectly reported as XXXX late. Despite submitting bank statements, payment confirmations, and CFPB supporting evidence, TransUnion simply verified the accounts with the furnishers without reviewing my documentation. 

This violates FCRA 611 ( a ) ( 1 ) ( A ), which requires a consumer reporting agency to conduct a reasonable reinvestigation to determine whether disputed information is accurate. 


XXXX. False Reporting of Late Payments FCRA 623 ( a ) ( 3 ) TransUnion continues to report false XXXX late payments on the following accounts even after receiving proof of timely payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX confirmed these accounts were current and never late. Yet TransUnion continues to report them inaccurately, damaging my credit profile and score. 


XXXX. Omission of Accurate XXXX XXXX XXXX XXXX FCRA 607 ( b ) TransUnion removed multiple accurate federal student loan tradelines serviced by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account XXXX ), even though these accounts were confirmed to be In School / Deferred and current. 

XXXX  written response to the CFPB on XX/XX/year> confirms the accounts are valid and never delinquent. By omitting this accurate, positive information, TransUnion is willfully publishing incomplete and misleading data in violation of FCRA 607 ( b ) and 15 U.S.C. 1681e ( b ). 


XXXX. False Identity Theft Victim Remark FCRA 605B ( e ) ( 3 ) My credit file currently displays a remark stating, I am a victim of identity theft. I never made such a statement, nor did I authorize its placement. This false designation is defamatory and misleads potential creditors. 

Under FCRA 605B ( e ) ( 3 ) and 611 ( a ), TransUnion must delete this unauthorized remark immediately. 


XXXX. TransUnions Data Breach and Negligence TransUnion has experienced multiple confirmed data breaches between XXXX, exposing consumer personally identifiable information ( PII ). Reporting false and incomplete information post-breach further constitutes a willful violation of FCRA 607 ( b ) and negligence in safeguarding consumer data.

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