Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, Re : Complaint against TransUnion for Inaccurate Information on Credit Report. 

I am writing to submit a complaint against TransUnion for inaccurate information on my credit report. Specifically, I am disputing the information related to XXXX XXXX account # XXXX, which was opened on XX/XX/XXXX and has a balance of {$0.00}. 

Background : On XX/XX/XXXX, I submitted a complaint against TransUnion ( Claim # XXXX ), including documentation of previous disputes sent to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In these disputes, I requested " physical proof '' to verify that TransUnion had a record of my documentation at the credit bureau. However, TransUnion failed to provide this proof. 

Retaliation by TransUnion ; As a result of my complaint, TransUnion has retaliated against me by reinserting several previously deleted accounts, including the XXXX XXXX account. This is a clear violation of federal law, as TransUnion did not provide written notice within 5 business days of reinserting the account, as required by 15 USC 1681i ( a ) ( 5 ) ( B ). 

Inaccurate Information ; On my credit report, the XXXX XXXX account is currently reported as 30 days late, despite being a closed account with a {$0.00} balance. The last payment on this account was XX/XX/XXXX! This information is inaccurate and has been disputed multiple times. On XX/XX/XXXX, I sent a dispute to TransUnion regarding the inaccurate reporting. Despite multiple updates to my dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the information remains incorrect. FCRA Violations TransUnion 's actions appear to violate several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Reasonable Investigation ( FCRA 611 ) : TransUnion failed to conduct a reasonable investigation into my disputes.

2. Failure to Correct or Delete Inaccurate Information ( FCRA 611 ) : TransUnion failed to correct or delete the inaccurate information
on my credit report.

3. Reinsertion of Previously Deleted Information ( FCRA 611 ) : TransUnion reinserted the previously deleted account information without my consent or notification.

4. Failure to Provide Accurate Information to Consumers ( FCRA 609 ) : TransUnion failed to provide accurate information to me, the consumer, about the dispute and the investigation.

5. Retaliation against Consumers ( FCRA 611 ) : TransUnion retaliated against me by reinserting previously deleted accounts and changing the score calculations. 
Additional Retaliation TransUnion has also retaliated against me by : XXXX. Locking me out of obtaining Transunion credit reports online : I am no longer able to access my credit reports online, either directly on the TransUnion website or through the free annual report. 
XXXX. Providing a credit report in XXXX : When I requested a credit report be mailed to me, it was provided in XXXX, despite my primary language being English.

3. Including closed accounts with {$0.00} balance in payment history/score : TransUnion has changed their scoring model to include closed accounts with {$0.00} balance, which has resulted in my credit score being XXXX points lower than the other two credit bureaus.

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