Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14380644
Complaint Overview
Complaint ID: 14380644
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Texas
ZIP Code: 79934
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
TransUnion is willfully violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards by reporting multiple inaccurate, unverifiable, and outdated negative items on my credit report, despite multiple formal disputes. TransUnion has previously been sued and fined by the CFPB for failing to adequately investigate disputes and misleading consumers. This exact behavior is happening again in my case. I request that the CFPB fully investigate TransUnions actions and compel the deletion of all inaccurate and unverifiable items from my report. This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. I am demanding an immediate reinvestigation and deletion of the following account from my credit file. Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days. I am exercising this right and demanding strict adherence to the terms. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that can not be verified must be deleted from the file of the consumer. Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. You have 30 days from the receipt of this letter to complete a lawful investigation. If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. Failure to comply will result in formal complaints being filed with the Federal Trade Commission ( FTC ) and the state attorney generals office. I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.
Frequently Asked Questions
What is Complaint #14380644 about?
Complaint #14380644 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-30T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.