Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
Subject : Formal Complaint Regarding TransUnions Failure to Resolve Inaccurate Credit Report Information ( CFPB Complaint ID : XXXX ) XXXX XXXX  XXXX TransUnion Account # : XXXX I am writing to formally escalate my complaint against TransUnion for their failure to resolve inaccurate information on my credit report within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ). My initial complaint was submitted to the CFPB on XX/XX/year> ( CFPB Complaint ID : XXXX ), and despite the legal requirement for TransUnion to investigate and resolve the dispute within 30 days, the inaccurate information remains on my credit report. 

Background of the Issue : On XX/XX/year>, I submitted a dispute to TransUnion regarding inaccurate information on my credit report. Specifically, I disputed a late payment entry that does not reflect my payment history. Under Section 1681 ( c ) of the FCRA, credit bureaus are required to maintain accurate and complete information. Additionally, Section 1681 ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

Despite these legal obligations, TransUnion has failed to correct the inaccuracies on my report. Furthermore, there are discrepancies between the information reported by the three major credit bureaus ( TransUnion, XXXX, and XXXX ), which further demonstrates the lack of accuracy in my credit reports. 

Violation of FCRA Timeline : TransUnion has exceeded the 30-day timeframe mandated by the FCRA to investigate and resolve my dispute. This delay is unacceptable and has caused significant harm to my creditworthiness and financial opportunities.

Request for Immediate Action : I am requesting that the CFPB take the following actions : Investigate TransUnions failure to comply with the FCRAs accuracy and dispute resolution requirements.

Ensure that TransUnion corrects the inaccuracies on my credit report and removes any information that can not be verified as accurate.

Require TransUnion to provide a detailed explanation of the steps taken to resolve this issue and ensure compliance with the FCRA.

Enclosed Documentation : To assist with your investigation, I am including updated information from all three credit bureaus ( TransUnion, XXXX, and XXXX ) that highlights the discrepancies and inaccuracies in my credit reports. 

Legal Notice : If this matter is not resolved immediately, I reserve the right to pursue further legal remedies, including filing a lawsuit against TransUnion for their violation of the FCRA and the harm caused to my creditworthiness. 

I trust that the CFPB will take appropriate action to ensure that my rights under the FCRA are upheld and that TransUnion is held accountable for its failure to comply with federal law.

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