Consumer complaint received 2025-04-26 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: WA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Official Complaint Against TransUnion, for Violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Reporting Standards Complaint Reference : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Unit XXXX, XXXX, WA XXXX SSN : XXXX XXXX : XX/XX/year> To Whom It May Concern, I am filing this formal complaint against TransUnion, for violations of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standards. Despite my previous disputes and submissions, Trans Union has failed to comply with their legal obligations, resulting in the ongoing presence of inaccurate and unverifiable information on my credit report. 

Violations of the FCRA and Metro 2 Standards : The credit bureaus have violated the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) The bureau failed to ensure the maximum possible accuracy of the information on my credit report, as they have not verified or corrected the inaccurate and unverifiable entries.

15 U.S.C. 1681i ( 5 ) The bureau failed to properly investigate and modify the disputed information following my dispute requests. The reinvestigation process was not conducted properly, and the errors were not corrected.

15 U.S.C. 1681s-2 The bureau failed to enforce accurate reporting by data furnishers, allowing inaccurate information to remain on my credit report without proper verification or modification. 

As a result of these violations, my credit report contains several persistent inaccuracies, including incorrect account details, outdated personal information, and unauthorized inquiries. 

Disputed Accounts : I am requesting the immediate removal of the following accounts from my credit report due to the failure of the credit bureaus to verify or properly investigate these entries : Creditor Name Partial Account Number Status XXXX XXXX XXXX XXXX XXXX * * * * Unverified Account XXXX XXXX XXXX  XXXX * * * * Unverified Account XXXX XXXX XXXX  XXXX * * * Unverified Account XXXX XXXX XXXX XXXX * * * Unverified Account XXXX XXXX XXXX * * * * Unverified Account XXXX XXXX XXXX * * * * Unverified Account These accounts have not been verified according to the FCRA 's requirements and should be removed from my credit file. 

Disputed Hard Inquiries : I also request the removal of the following unauthorized hard inquiries which are incorrectly reported on my credit file and do not reflect maximum possible accuracy under 15 U.S.C. 1681e ( b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX inquiries are associated with no open accounts and do not meet the accuracy requirements under the FCRA. I am requesting their deletion from my credit report, particularly those over XXXX days old. 

Additional Request : I also request that a Promotional Suppression be added to my credit file to prevent the continued reporting of unsolicited offers. 

Request for Resolution : Despite submitting my initial disputes, these violations have not been rectified, causing me continued harm. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and ensure that the credit bureau TransUnion complies with federal law by : Conducting proper investigations of the disputed information. 

Removing all unverifiable and incorrect information from my credit file. 

Correcting any remaining inaccuracies to ensure that my credit report reflects the maximum possible accuracy. 

If these violations are not resolved, I will be forced to pursue further legal action to protect my rights and creditworthiness. 

Thank you for your prompt attention to this matter. I look forward to your assistance in ensuring my consumer rights are upheld. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, WA XXXX SSN : XXXX | XXXX : XX/XX/year>

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