Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
*Subject : ** Urgent Complaint Regarding TransUnion 's Gross Negligence and Failure to Correct Credit Reporting Errors **Dear CFPB, ** I am writing to file a **formal and urgent complaint** against **TransUnion** for their **blatant disregard** of my rights under the **Fair Credit Reporting Act ( FCRA ) ** and their failure to correct significant errors on my credit report. Despite **multiple attempts** to resolve this issue directly with TransUnion, including sending a formal dispute letter, they have **failed to take any meaningful action**, causing severe harm to my creditworthiness and financial. 

# # # The issues that need immediate resolution are as follows : XXXX. XXXX XXXX Account # XXXX : - This account was **incorrectly reported** and must be **reinstated** on my credit report. Ive already provided all the necessary documentation, including a **dispute letter**, yet **TransUnion continues to ignore** my requests to correct this error. Their failure to act is not only frustrating but a **blatant violation** of my consumer rights. 

XXXX. **XXXX  XXXX Account # XXXX : - This account, which was **opened on XXXX, was erroneously reported and must be **removed immediately** from my credit report. Despite several disputes and providing supporting documentation, including an **FTC affidavit**, TransUnion has **ignored my complaints** and failed to remove the account as requested. 

# # # Timeline of Events : - On [ XX/XX/XXXX ], I first noticed these errors on my credit report and promptly disputed them through XXXX system. 
- On [ XX/XX/XXXX ], I submitted **additional documentation**, including a **dispute letter** and my FTC affidavit, to substantiate my claims. However, **TransUnion failed to address or correct the issues**. 
- On [ XXXX ], I **followed up** again with TransUnion, but they have continued to **stall, ignore my communications, and fail to act** on the provided information. 

Previous CFPB complaint # XXXX FTC affidavit # XXXX I have been patient, but this situation is completely **unacceptable**. TransUnions **continued negligence** is directly damaging my credit score and financial opportunities. Their repeated failure to investigate properly, refusal to correct the errors, and outright **disregard for the law** is a clear violation of consumer protection laws, including the **FCRA**. TransUnion has had more than enough time** to resolve these issues. Their continuous failure to do so is **completely unacceptable**. This situation has gone on long enough, and I demand immediate resolution. If these matters are not resolved within the timeframe provided, I will take all necessary steps, including legal action, to ensure that **TransUnion is held fully accountable** for their actions. 

Thank you for your immediate attention to this matter. I expect confirmation of the resolution of this issue, along with updates on the corrective actions taken, within the next **15 days**. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, Tx XXXX ] [ XXXX ] [ SSN 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 non-monetary relief