Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX XX/XX/XXXX To Whom It May Concern Consumer Financial Protection Bureau Re : Formal Complaint Regarding Systemic Violations of the Fair Credit Reporting Act by TransUnion LLC 1. What Happened I have repeatedly disputed XXXX items that appear on my TransUnion credit report. The items consist of XXXX hard inquiries and XXXX tradelines that contain multiple mandatory XXXX reporting deficiencies, missing permissiblepurpose documentation, and internal inconsistencies that render the entries inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The specific entries are : Inquiries CIG FINANCIA XX/XX/XXXX missing Inquiry Type, Result, Reason, and Furnisher Subscriber Code. 
GLS XX/XX/XXXX missing XXXX XXXX, Result, Source ; incorrectly coded as a XXXX XXXX. 
LIGHTSTREAM XX/XX/XXXX missing XXXX XXXX and XXXX XXXX XXXX ; recordtype mismatch. 
XXXX XXXX XXXX XX/XX/XXXX no documented permissible purpose. XXXX XX/XX/XXXX missing XXXX XXXX XXXX ; contains literal N/A placeholders. 
REGIONALAC XX/XX/XXXX missing XXXX Type and Result Codes ; no evidence of a reasonable investigation. 
XXXX XX/XX/XXXX numerous N/A placeholders; missing XXXX XXXX XXXX. 
REGIONALAC XX/XX/XXXX missing XXXX XXXX, Result, Source codes ; no permissiblepurpose documentation. 
XXXX XXXX XXXX XX/XX/XXXX missing Inquiry Type and Result Codes ; no reasonable investigation. 
TD AUTO FINANCE XX/XX/XXXX missing Inquiry Type and Result Codes ; date recorded in XXXX format rather than MM/DD/YYYY. 
Tradelines XXXX Account # XXXX missing Date of First Delinquency ; status listed as both Open Account and Collection/Chargeoff. 
XXXX Account # XXXX missing Date of First Delinquency ; status reported as narrative Derogatory without numeric code ; balance exceeds credit limit with no overlimit condition code. 
Each entry violates FCRA 623 ( a ) ( 1 ) for furnishing inaccurate or incomplete information, and the failure to provide a permissible purpose breaches FCRA 605 ( b ). Under FCRA 607 ( b ) and 611, TransUnion is obligated to conduct a reasonable investigation, obtain proper validation from the furnishers, and delete any unverifiable or noncompliant information. 
XXXX. Financial Harm Because these inaccurate inquiries and tradelines remain on my credit file, I have experienced : Potential damage to my credit score due to the presence of unverified hard inquiries and derogatory tradelines. 
Reduced access to credit and the likelihood of higher interest rates or denial of credit products, which constitute a tangible financial impact. 
Increased costs associated with having to monitor my credit report and seek legal counsel to address the ongoing disputes. 
While I have not been provided with a precise creditscore change, the pattern of reporting errors is sufficient to cause measurable harm under the standards of the FCRA. 
XXXX. Attempts to Resolve I have submitted a formal dispute to TransUnion on XX/XX/XXXX, detailing each deficiency and demanding correction or deletion. To date, TransUnion has not supplied the required XXXX records, permissiblepurpose documentation, or evidence of a reasonable investigation. 
Also, In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent XXXX separate formal disputes to TransUnion stating the above violations. Instead of fulfilling its duties under the FRCA by correcting the above violations, in all three disputes, TransUnion merely offered the following inadequate boilerplate response : The disputed item ( XXXX ) was verified as accurate. XXXX inadequate response prompted this complaint to the CFPB. 
XXXX. What XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TransUnion, as a consumer reporting agency, failed its duties under the FCRA because chose not to take the corrective action that the FCRA mandated. TransUnion had no less then XXXX opportunities to take corrective action in my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, disputes. 
Instead TransUnion acted as it is above the law, by offering its boilerplate response that The disputed item ( XXXX ) was verified as accurate. '' Clearly, TransUnion does not respect the FCRA. Thus, I respectfully request that the CFPB : XXXX. Order TransUnion to delete all XXXX tradelines because all XXXX are inaccurate, incomplete, or otherwise noncompliant with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. XXXX TransUnion to ensure that my credit file is corrected promptly and that it confirms in writing that all XXXX tradelines are deleted. 
XXXX. Impose appropriate civil penalties on TransUnion for violations of the FCRA, FDCPA, and related regulations, and ensure corrective action to prevent recurrence. 
XXXX. Supporting documentation XXXX. XXXX of TransUnion response XX/XX/XXXX formal disputes. 
" The disputed item ( XXXX ) was verified as accurate '' to my XX/XX/XXXX and XXXX. Copy of my drivers license, social security number, and address verification. 
Thank you for your prompt attention to this matter. I trust the CFPB will intervene to enforce compliance and protect my rights under federal consumerfinancialprotection law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief