Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this formal complaint against TransUnion for their continued failure to accurately report and investigate the disputed items on my credit report despite multiple attempts from my side. I am being severely impacted by erroneous and unverified information which TransUnion has failed to remove or properly investigate. Below are the accounts I am disputing along with specific violations, legal support, and detailed explanations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> High Balance : {$17000.00} This account is a result of identity theft. I have no knowledge of this account and never authorized its opening or usage. I have already reported this as identity theft and requested its removal under the FCRA. According to 15 U.S. Code 1681c-2 ( Section 605B ), if a consumer submits proper identity theft documentation, the consumer reporting agency is obligated to block and remove all information resulting from the identity theft within 4 business days. TransUnion has failed to comply, which is a direct violation of federal law. I am being wrongly held accountable for fraudulent debt that has significantly damaged my credit profile. This is causing me financial and emotional distress, and my attempts to resolve this through traditional disputes have been ignored. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year> High Balance : {$40000.00} This account is reporting inaccurate late payments. I dispute the accuracy of this reporting. The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, requires credit reporting agencies to conduct a reasonable reinvestigation once a dispute is filed. TransUnion has failed to verify this information with credible evidence and has simply continued to report the negative payment history without providing me any proof. This violates my rights under the FCRA, and I demand a full reinvestigation and permanent removal of this derogatory information. The impact of these misreported late payments is substantial, as I am being denied credit, housing, and job opportunities. TransUnion has failed to fulfill its obligations under the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> High Balance : {$40000.00} This account is also reporting late payments which are inaccurate. I have no recollection of authorizing or maintaining this account in the stated manner. I submitted a dispute to TransUnion, and they failed to provide sufficient documentation or perform a lawful reinvestigation. This violates 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which mandates that consumer reporting agencies must review and remove unverifiable information within 30 days. Furthermore, they failed to notify me properly about the outcome of the dispute under 15 U.S. Code 1681i ( a ) ( 6 ). I am suffering due to incorrect data reporting, and TransUnions negligence is affecting my financial well-being and personal stability. 
I have made repeated efforts to resolve these matters directly with TransUnion. My previous disputes were ignored or closed without meaningful investigation or response. This ongoing negligence and lack of adherence to the FCRA have caused serious harm to my creditworthiness and mental health. I am formally requesting the Consumer Financial Protection Bureau ( CFPB ) to initiate an investigation into TransUnions repeated violations and compel them to delete the inaccurate and unverifiable data from my report. I am also preserving my rights under 15 U.S. Code 1681n and 1681o to pursue civil liability for willful and negligent noncompliance with the FCRA.

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