Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against TransUnion for failing to comply with several provisions under the Fair Credit Reporting Act ( FCRA ). Specifically, I am concerned with the following sections of the FCRA : 15 USC 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information in my credit report.

15 USC 1681s-2 Failure of a data furnisher to report accurate information.

15 USC 1681i ( 5 ) Failure to conduct a reasonable investigation of my dispute, resulting in the continued reporting of inaccurate information.

15 USC 1681c ( c ) Failure to properly handle or remove obsolete information from my credit report. 

Details of My Issue : I have sent TransUnion, a series of formal dispute letters regarding inaccurate or incomplete information on my credit report. 
Despite my efforts, TransUnion has failed to acknowledge my dispute or take appropriate action as mandated by the Fair Credit Reporting Act. 
I have provided clear evidence that certain information on my credit report is incorrect, yet TransUnion has either ignored or failed to resolve these discrepancies. 
Attempts to Resolve the Issue : In XX/XX/year>, I sent dispute letters to TransUnion addressing these inaccuracies, referencing the specific entries that need to be corrected. 
I have kept a record of all communication with TransUnion, including certified mail receipts and copies of all dispute letters. 
Despite my attempts, TransUnion has not responded within the required time frame or taken the necessary steps to correct the reported errors. 
This has had a negative effect on my credit score, preventing me from obtaining new credit or qualifying for better rates, which has affected my ability to make essential purchases or manage debt effectively. These unresolved issues have caused significant emotional and financial distress. Damaged my creditworthiness, causing me to feel frustrated and helpless in trying to regain control of my financial future. Resulted in higher interest rates on loans and credit products, leading to unnecessary financial strain. 
I have made several attempts to resolve these issues directly with TransUnion by submitting disputes requesting the removal of inaccuracies on my credit report. Despite these efforts, I have not received a satisfactory response or resolution. 

Requested Resolution : I request that TransUnion immediately review and remove the inaccurate information reported on my credit report in compliance with the Fair Credit Reporting Act. 
I request that TransUnion take the necessary steps to ensure that my credit report is updated with accurate information. 
I seek a formal acknowledgment from TransUnion regarding my dispute and the actions they are taking to resolve the issue in accordance with federal law. 

I trust that the CFPB will ensure that Transunion remove and correct said inaccuracies from my credit report in accordance with federal law. Thank you for your attention into this matter. 
Sincerely, XXXX XXXX ( maiden name : XXXX 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