{"took":61,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":565,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13988901","_score":19.161188,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, TransUnion continues to report a bankruptcy that has been permanently removed from the databases of XXXX, a third-party provider that plays a critical role in public record verification. I have enclosed supporting documentation confirming that XXXX has no record of this bankruptcy in their system. \nDespite submitting a dispute with TransUnion on XX/XX/year> and providing all relevant documents to substantiate my claim, they have failed to properly investigate my dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Their handling of this matter reflects a pattern of negligence and predatory practices, especially in their failure to : Conduct a reasonable investigation Consult the sources of the disputed information. \nRemove inaccurate and unverified public records. \nAcknowledge the certified documents enclosed. \nThis mishandling is not only damaging to my financial standing and opportunities, but it also violates my rights under federal law. I am therefore requesting the CFPBs urgent intervention in this matter to hold TransUnion accountable and compel the immediate removal of all inaccurate and unverified information from my credit report. \nI am attaching all relevant documents, including correspondence with XXXX and TransUnion, for your review. \nThank you for your attention to this serious matter. I trust the CFPB will take the necessary steps to enforce compliance and protect consumers like myself from further harm","date_sent_to_company":"2025-06-10T21:15:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"290XX","tags":null,"has_narrative":true,"complaint_id":"13988901","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-10T21:01:44.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am therefore requesting the CFPBs urgent intervention in this <em>matter</em> to hold <em>TransUnion</em> accountable and <em>compel</em> the immediate removal of all inaccurate and unverified information from my credit report. \nI am attaching all relevant documents, including correspondence with <em>XXXX</em> and <em>TransUnion</em>, for your review. \nThank you for your attention to this serious <em>matter</em>. I trust the CFPB will take the necessary steps to enforce compliance and protect consumers like myself from further harm"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.161188,"13988901"]},{"_index":"complaint-public-v1","_id":"10104033","_score":18.794096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove unauthorized credit inquiries from my credit report. \n\nOn XX/XX/scrub>XXXX I discovered several unauthorized credit inquiries on my TransUnion credit report. I promptly disputed these inquiries, as I did not authorize any of them. However, TransUnion advised me that I needed to contact the creditors responsible for these inquiries to obtain a letter from them acknowledging the unauthorized inquiry. This is in direct violation of the FCRA. \n\nAs per the FCRA, credit reporting agencies are required to maintain accurate and complete consumer reports. TransUnion, as a consumer reporting agency, bears the responsibility of investigating my dispute and ensuring the accuracy of the information on my credit report. I am not responsible for obtaining any documentation from the creditors involved. \n\nBy shifting the burden to me and refusing to remove the unauthorized inquiries, TransUnion has failed to uphold its legal obligations under the FCRA. I request that the CFPB investigate this matter and compel TransUnion to remove these unauthorized inquiries from my credit report.","date_sent_to_company":"2024-09-13T00:19:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29550","tags":null,"has_narrative":true,"complaint_id":"10104033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-13T00:12:28.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["By shifting the burden to me and refusing to <em>remove</em> the unauthorized inquiries, <em>TransUnion</em> has failed to uphold its legal obligations under the FCRA. I request that the CFPB <em>investigate</em> this <em>matter</em> and <em>compel</em> <em>TransUnion</em> to <em>remove</em> these unauthorized inquiries from my credit report."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.794096,"10104033"]},{"_index":"complaint-public-v1","_id":"12902718","_score":18.782766,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"\" I am filing this complaint against TransUnion for their willful non-compliance with the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of a XXXX XXXX XXXX account on my credit report. \nOn XX/XX/XXXX, I submitted disputes to all three major credit reporting agencies ( TransUnion, XXXX, and XXXX ) concerning a XXXX XXXX account. By XX/XX/XXXX, both XXXX and XXXX completed their investigations and removed the disputed account from my credit reports. \nHowever, as of XX/XX/XXXX, TransUnion continues to report this inaccurate information on my credit report, despite providing them with the following : Documentation proving that XXXX and XXXX have removed the account following successful investigations. \n\nTransUnion is the only credit reporting agency that has failed to comply with the FCRA. Their continued reporting of this inaccurate information is causing significant harm to my creditworthiness. I request that the CFPB take immediate action to compel TransUnion to : Immediately remove the inaccurate XXXX XXXX account from my credit report. \nComply with all provisions of the FCRA. \n\nI have attached all supporting documentation to this complaint. I look forward to your prompt attention to this matter. ''","date_sent_to_company":"2025-04-09T20:31:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12902718","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-09T19:58:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I request that the CFPB take immediate action to <em>compel</em> <em>TransUnion</em> to : Immediately <em>remove</em> the inaccurate <em>XXXX</em> <em>XXXX</em> account from my credit report. \nComply with all provisions of the FCRA. \n\nI have attached all supporting documentation to this complaint. I look forward to your prompt attention to this <em>matter</em>. ''"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.782766,"12902718"]},{"_index":"complaint-public-v1","_id":"14537466","_score":18.723927,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against TransUnion Smartmove for failing to properly investigate an eviction record that is either inaccurate, outdated, or misreported. I disputed the information but received no resolution. This eviction was filed in XXXX XXXX XXXX ( Case # XXXX ), and I believe it was either misreported, duplicated, or lacking proper verification. This case is over two years old. I attempted to dispute it directly with the screening company, but I either received no response or an unsatisfactory one. The information is outdated, harmful to my rental prospects, and I believe it may be reported inaccurately or unfairly without proper context. I request that the CFPB review this matter and compel the agency to investigate the accuracy of this eviction record under the Fair Credit Reporting Act. If it can not be verified or is incomplete, it should be removed.","date_sent_to_company":"2025-07-09T23:45:24.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"33417","tags":null,"has_narrative":true,"complaint_id":"14537466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-09T23:38:17.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I request that the CFPB review this <em>matter</em> and <em>compel</em> the agency to <em>investigate</em> the accuracy of this eviction record under the Fair Credit Reporting Act. If it can not be verified or is incomplete, it should be <em>removed</em>."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.723927,"14537466"]},{"_index":"complaint-public-v1","_id":"14666852","_score":18.237894,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint againsXXXX XXXX XXXX and TransUnion for their continued failure to accurately report my account information despite my formal disputes. \nAdditionally, all three credit bureaus are in violation of XXXX XXXX data furnishing standards by accepting and continuing to report incorrect status codes, balance information, and failing to mark the account as disputed using Compliance Code \" XB. '' These inaccuracies have negatively affected my credit score and resulted in the denial of credit opportunities. I request that the Consumer Financial Protection Bureau investigate this matter and compel full compliance, including immediate correction or deletion of the inaccurate information. \nAlso there is inaccurate misleading addresses on my report and inquiries that I'd like removed.","date_sent_to_company":"2025-07-15T18:56:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35215","tags":null,"has_narrative":true,"complaint_id":"14666852","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-15T18:56:01.000Z","state":"AL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I request that the Consumer Financial Protection Bureau <em>investigate</em> this <em>matter</em> and <em>compel</em> full compliance, including immediate correction or deletion of the inaccurate information. \nAlso there is inaccurate misleading addresses on my report and inquiries that I'd like <em>removed</em>."]},"sort":[18.237894,"14666852"]},{"_index":"complaint-public-v1","_id":"14660593","_score":18.237894,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint againsXXXX XXXX XXXX and TransUnion for their continued failure to accurately report my account information despite my formal disputes. \nAdditionally, all three credit bureaus are in violation of XXXX XXXX data furnishing standards by accepting and continuing to report incorrect status codes, balance information, and failing to mark the account as disputed using Compliance Code \" XB. '' These inaccuracies have negatively affected my credit score and resulted in the denial of credit opportunities. I request that the Consumer Financial Protection Bureau investigate this matter and compel full compliance, including immediate correction or deletion of the inaccurate information. \nAlso there is inaccurate misleading addresses on my report and inquiries that I'd like removed.","date_sent_to_company":"2025-07-15T18:56:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35215","tags":null,"has_narrative":true,"complaint_id":"14660593","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-15T18:33:33.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I request that the Consumer Financial Protection Bureau <em>investigate</em> this <em>matter</em> and <em>compel</em> full compliance, including immediate correction or deletion of the inaccurate information. \nAlso there is inaccurate misleading addresses on my report and inquiries that I'd like <em>removed</em>."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.237894,"14660593"]},{"_index":"complaint-public-v1","_id":"14666851","_score":18.183502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint againsXXXX XXXX XXXX and TransUnion for their continued failure to accurately report my account information despite my formal disputes. \nAdditionally, all three credit bureaus are in violation of XXXX XXXX data furnishing standards by accepting and continuing to report incorrect status codes, balance information, and failing to mark the account as disputed using Compliance Code \" XB. '' These inaccuracies have negatively affected my credit score and resulted in the denial of credit opportunities. I request that the Consumer Financial Protection Bureau investigate this matter and compel full compliance, including immediate correction or deletion of the inaccurate information. \nAlso there is inaccurate misleading addresses on my report and inquiries that I'd like removed.","date_sent_to_company":"2025-07-15T18:56:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35215","tags":null,"has_narrative":true,"complaint_id":"14666851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-15T18:56:01.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I request that the Consumer Financial Protection Bureau <em>investigate</em> this <em>matter</em> and <em>compel</em> full compliance, including immediate correction or deletion of the inaccurate information. \nAlso there is inaccurate misleading addresses on my report and inquiries that I'd like <em>removed</em>."]},"sort":[18.183502,"14666851"]},{"_index":"complaint-public-v1","_id":"13070258","_score":17.999403,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint against TransUnion for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding inaccurate reporting related to an account from XXXX XXXX XXXX XXXX. \n\nI have submitted multiple written disputes requesting TransUnion to validate the accuracy of this alleged debt and remove incorrect data from my credit report. My most recent dispute was submitted on XX/XX/XXXX. Despite these repeated efforts, TransUnion has failed to correct or remove a duplicate account from XXXX XXXX XXXX XXXX that was last reported in XXXX. \n\nThis continued reporting of inaccurate and duplicative information violates FCRA 1681i ( a ) and 1681e ( b ), which require credit reporting agencies to conduct a reasonable reinvestigation and ensure maximum possible accuracy of consumer information.\n\nTransUnions inaction has caused significant harm to my credit profile and financial opportunities. I respectfully request that the Consumer Financial Protection Bureau investigate this matter, compel TransUnion to permanently delete the inaccurate and duplicative account, and pursue appropriate enforcement or damages for the long-term reporting of false data.","date_sent_to_company":"2025-04-19T16:33:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"210XX","tags":null,"has_narrative":true,"complaint_id":"13070258","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-19T15:58:18.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>TransUnions</em> inaction has caused significant harm to my credit profile and financial opportunities. I respectfully request that the Consumer Financial Protection Bureau <em>investigate</em> this <em>matter</em>, <em>compel</em> <em>TransUnion</em> to permanently delete the inaccurate and duplicative account, and pursue appropriate enforcement or damages for the long-term reporting of false data."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.999403,"13070258"]},{"_index":"complaint-public-v1","_id":"10397848","_score":17.672462,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention unresolved errors on my credit reports maintained by XXXX, TransUnion, and XXXX. Despite my efforts to correct and update this information last year, the inaccuracies remain uncorrected. \n\nOn XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I submitted disputes and corrections to XXXX, TransUnion, and XXXX regarding inaccuracies of Incorrect Individual living man name, old addresses, incorrect information charge off bad debt and vehicle was voluntary return to Dealer and Remove inquiries. As of today, these errors continue to appear on my credit reports, harming my credit score and financial well-being. \n\nUnder the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a responsibility to investigate and correct inaccuracies within a reasonable period, typically 30 days. It has been over a year since I initiated the dispute process, and I have yet to see the necessary corrections. \n\nHowever, given the significant lapse of time since my initial dispute, I urge the FTC to investigate this matter and compel XXXX, TransUnion, and XXXX to take immediate action to correct my credit reports. \n\nI request that the CFPB take the following actions : Investigate this matter and verify the accuracy of my credit reports. \nXXXX XXXX, TransUnion, and XXXX to correct the disputed errors immediately. \nTake enforcement action, as necessary, to ensure compliance with the F CRA.\n\nThank you for your attention to this matter. I look forward to a prompt resolution.","date_sent_to_company":"2024-10-10T02:23:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20735","tags":null,"has_narrative":true,"complaint_id":"10397848","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-10T02:10:18.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["However, given the significant lapse of time since my initial dispute, I urge the FTC to <em>investigate</em> this <em>matter</em> and <em>compel</em> <em>XXXX</em>, <em>TransUnion</em>, and <em>XXXX</em> to take immediate action to correct my credit reports. \n\nI request that the CFPB take the following actions : <em>Investigate</em> this <em>matter</em> and verify the accuracy of my credit reports. \n<em>XXXX</em> <em>XXXX</em>, <em>TransUnion</em>, and <em>XXXX</em> to correct the disputed errors immediately. \nTake enforcement action, as necessary, to ensure compliance with the F CRA."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.672462,"10397848"]},{"_index":"complaint-public-v1","_id":"9850325","_score":17.602453,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Investigation of Inaccurate Credit Reporting Dear CFPB Representative, I am writing to formally request your assistance regarding an issue I have encountered with my credit report, specifically concerning inaccurate information reported by XXXX and TransUnion. \n\nI have recently reviewed my credit reports from both agencies and found that they are reporting a negative account which a XXXX XXXXXXXX account. XXXX that is not only incorrect but also misleading. The account in question is, XXXX which has been marked as negative despite being closed and having always been in good standing. \n\nThis erroneous reporting has negatively impacted my credit score and my ability to secure credit. I have taken steps to resolve this matter directly with XXXX and TransUnion ; however, my requests for corrections have not been addressed satisfactorily. \n\nI kindly request that the CFPB investigate this matter and compel both XXXX and TransUnion to remove this inaccurate account from my credit report. I believe this will not only rectify my credit history but also uphold the standards of fair credit reporting. \n\nThank you for your attention to this urgent matter. I appreciate your assistance in ensuring that my credit report accurately reflects my financial history. \n\nSincerely, [ XXXX XXXX XXXX","date_sent_to_company":"2024-08-19T21:41:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"9850325","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-19T21:41:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have taken steps to resolve this <em>matter</em> directly with <em>XXXX</em> and <em>TransUnion</em> ; however, my requests for corrections have not been addressed satisfactorily. \n\nI kindly request that the CFPB <em>investigate</em> this <em>matter</em> and <em>compel</em> both <em>XXXX</em> and <em>TransUnion</em> to <em>remove</em> this inaccurate account from my credit report. I believe this will not only rectify my credit history but also uphold the standards of fair credit reporting. \n\nThank you for your attention to this urgent <em>matter</em>."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.602453,"9850325"]},{"_index":"complaint-public-v1","_id":"14280582","_score":17.571074,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve the matter directly, TransUnion has failed to comply with its legal obligations under the FCRA, including but not limited to : XXXXFailure to investigate disputed information : I submitted a formal dispute to TransUnion regarding inaccurate and outdated information appearing on my credit report. TransUnion failed to properly investigate the dispute within the XXXX timeframe as required by 15 U.S.C. 1681i ( a ). \nXXXXFailure to correct or remove inaccurate information : TransUnion continues to report information that has been proven inaccurate, even after being provided with supporting documentation. This is a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. \nXXXXFailure to provide timely response : In accordance with the FCRA, I am entitled to a timely and complete response regarding any investigations. TransUnion has either delayed their response or failed to respond altogether, further compounding the harm caused by the original reporting error. \n\nAs a result of these violations, I have suffered financial and emotional distress, including being denied credit and other financial opportunities. \n\nI am requesting that the CFPB investigate this matter and compel TransUnion to : Correct or delete the inaccurate information from my credit file, Provide a detailed explanation of the investigation conducted, Comply with all relevant provisions of the FCRA, and Be held accountable for failing to uphold consumer rights under federal law. \n\nThank you for your attention to this matter. \n\n\n\nA fair resolution for TransUnion violating the Fair Credit Reporting Act ( FCRA ) should include both corrective actions and, where applicable, compensation for harm suffered. Heres a breakdown of what you can reasonably ask for in your complaint :","date_sent_to_company":"2025-06-26T00:04:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33411","tags":null,"has_narrative":true,"complaint_id":"14280582","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T23:58:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB <em>investigate</em> this <em>matter</em> and <em>compel</em> <em>TransUnion</em> to : Correct or delete the inaccurate information from my credit file, Provide a detailed explanation of the <em>investigation</em> conducted, Comply with all relevant provisions of the FCRA, and Be held accountable for failing to uphold consumer rights under federal law. \n\nThank you for your attention to this <em>matter</em>."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.571074,"14280582"]},{"_index":"complaint-public-v1","_id":"10163545","_score":17.266098,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against TransUnion Regarding Impact on Creditworthiness Dear CFPB, I am writing to formally file a complaint against TransUnion regarding negative remarks listed on my consumer report that are adversely affecting my creditworthiness, credit standing, credit capacity, character, reputation, and mode of living, as outlined under 15 U.S. Code 1681a, Definitions ; rules of construction, section ( d ). \n\nI have reviewed my consumer report from TransUnion and have identified the negative remarks that portray my financial behavior. That entry has hindered my ability to secure a mortgage loan, which is crucial for my financial stability and future. \n\nDespite my efforts to address this negative information directly with TransUnion, I have not seen any changes. Specifically, I have requested that these remarks be updated to reflect that the account is paid and closed. If TransUnion is unable or unwilling to make these changes, I believe that the negative remarks should be removed from my consumer report entirely, as they do not accurately represent my current financial standing. \n\n\nI urge the CFPB to investigate this matter and compel TransUnion to either update the remarks to \" paid and closed '' or remove it from my credit report altogether. The continued presence of this negative entry is unjustly impacting my financial opportunities and overall quality of life. \n\nThank you for your attention to this urgent matter. I appreciate your assistance and look forward to your response. \n\nSincerely,","date_sent_to_company":"2024-09-18T01:41:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"10163545","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-18T01:41:02.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If <em>TransUnion</em> is unable or unwilling to make these changes, I believe that the negative remarks should be <em>removed</em> from my consumer report entirely, as they do not accurately represent my current financial standing. \n\n\nI urge the CFPB to <em>investigate</em> this <em>matter</em> and <em>compel</em> <em>TransUnion</em> to either update the remarks to \" paid and closed '' or <em>remove</em> it from my credit report altogether."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.266098,"10163545"]},{"_index":"complaint-public-v1","_id":"10163154","_score":17.26238,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against TransUnion Regarding Impact on Creditworthiness Dear CFPB, I am writing to formally file a complaint against TransUnion regarding negative remarks listed on my consumer report that are adversely affecting my creditworthiness, credit standing, credit capacity, character, reputation, and mode of living, as outlined under 15 U.S. Code 1681a, Definitions ; rules of construction, section ( d ). \n\nI have reviewed my consumer report from TransUnion and have identified the negative remarks that portray my financial behavior. That entry has hindered my ability to secure a mortgage loan, which is crucial for my financial stability and future. \n\nDespite my efforts to address this negative information directly with TransUnion, I have not seen any changes. Specifically, I have requested that these remarks be updated to reflect that the account is paid and closed. If TransUnion is unable or unwilling to make these changes, I believe that the negative remarks should be removed from my consumer report entirely, as they do not accurately represent my current financial standing. \n\n\nI urge the CFPB to investigate this matter and compel TransUnion to either update the remarks to \" paid and closed '' or remove it from my credit report altogether. The continued presence of this negative entry is unjustly impacting my financial opportunities and overall quality of life. \n\nThank you for your attention to this urgent matter. I appreciate your assistance and look forward to your response. \n\nSincerely,","date_sent_to_company":"2024-09-18T01:40:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"10163154","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-18T01:36:17.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If <em>TransUnion</em> is unable or unwilling to make these changes, I believe that the negative remarks should be <em>removed</em> from my consumer report entirely, as they do not accurately represent my current financial standing. \n\n\nI urge the CFPB to <em>investigate</em> this <em>matter</em> and <em>compel</em> <em>TransUnion</em> to either update the remarks to \" paid and closed '' or <em>remove</em> it from my credit report altogether."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.26238,"10163154"]},{"_index":"complaint-public-v1","_id":"13873446","_score":17.178843,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding inaccurate and fraudulent information that continues to appear on my TransUnion credit report, despite my repeated efforts to have it removed and despite supporting documentation already provided. \n\nA fraudulent account was opened in my name without my authorization XXXX XXXX XXXX. I have submitted documentation to verify that this account was not opened by me, yet TransUnion continues to report it. This is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a dispute is submitted and to delete any information that can not be verified. \n\nAdditionally, my TransUnion report includes accounts that have already been removed from my other credit reports ( XXXX XXXX XXXX ), including a student loan account transferred by the Department of Education to the XXXX. This account does not have a collection status, yet TransUnion inaccurately reports it as a collection, which is misleading and damaging to my credit profile. XXXX  XXXX XXXX 30 days late was never late and has been removed by other credit reporting companies. \n\nThese inaccuracies are significantly and unfairly affecting my ability to obtain credit. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and to compel TransUnion to : 1. Immediately remove the fraudulent account and all associated derogatory marks.\n\n2. Correct the status of the student loan account that has been transferred and is no longer in collections.\n\n3. Ensure full compliance with the Fair Credit Reporting Act and verify the accuracy of all items reported under my name. \n\nI have made every reasonable effort to resolve this directly with TransUnion but have not received appropriate relief. I respectfully request the CFPBs intervention in ensuring my rights as a consumer are protected.","date_sent_to_company":"2025-06-03T03:02:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33309","tags":null,"has_narrative":true,"complaint_id":"13873446","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-03T03:02:05.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This account does not have a collection status, yet <em>TransUnion</em> inaccurately reports it as a collection, which is misleading and damaging to my credit profile. <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> 30 days late was never late and has been <em>removed</em> by other credit reporting companies. \n\nThese inaccuracies are significantly and unfairly affecting my ability to obtain credit. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to <em>investigate</em> this <em>matter</em> and to <em>compel</em> <em>TransUnion</em> to : 1."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.178843,"13873446"]},{"_index":"complaint-public-v1","_id":"15610605","_score":17.08855,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Inaccurate Credit Reporting by TransUnion Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for reporting inaccurate information on my credit report. Specifically, TransUnion has listed a XXXX XXXX account that I do not recognize, do not own, and have never authorized. \n\nI have previously notified TransUnion of this error and requested its removal. However, the account remains on my credit report, negatively impacting my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires consumer reporting agencies to conduct a reasonable reinvestigation when a dispute is submitted. \n\nI am requesting the CFPB to investigate TransUnions failure to correct this error and compel them to : - Remove the XXXXXXXX XXXXXXXX account from my credit report immediately - Provide written confirmation of the removal - Ensure no further reporting of this account occurs Attached are copies of my credit report, prior dispute correspondence, and any supporting documentation. \n\nThank you for your attention to this matter. I expect prompt action and accountability. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-29T14:34:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75093","tags":null,"has_narrative":true,"complaint_id":"15610605","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-29T14:30:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I am requesting the CFPB to <em>investigate</em> <em>TransUnions</em> failure to correct this error and <em>compel</em> them to : - <em>Remove</em> the XXXXXXXX XXXXXXXX account from my credit report immediately - Provide written confirmation of the removal - Ensure no further reporting of this account occurs Attached are copies of my credit report, prior dispute correspondence, and any supporting documentation. \n\nThank you for your attention to this <em>matter</em>. I expect prompt action and accountability. \n\nSincerely, <em>XXXX</em> <em>XXXX</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.08855,"15610605"]},{"_index":"complaint-public-v1","_id":"13831180","_score":17.082535,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Misrepresentation by TransUnion XXXX Accounts Not Deleted Despite Formal Dispute Results ( XXXX XXXX XXXX ) I am writing to submit a formal follow-up complaint regarding TransUnions deceptive and misleading practices in connection with my previous dispute against XXXX student loan accounts appearing on my credit report. On XXXX, TransUnion issued me formal investigation results via mail, confirming that the disputed XXXX accounts were deleted from my credit report. I have attached copies of the official TransUnion dispute results clearly showing the status of each XXXX account marked as DELETED. However, despite this written confirmation, TransUnion never removed the XXXX accounts from my credit report. I verified this by reviewing my credit report after receiving the mailed results, and the accounts remain active and visible. This constitutes a clear misrepresentation of the results to both me and the Consumer Financial Protection Bureau. On XX/XX/year>, I called TransUnion again and spoke with a representative who acknowledged that the accounts had not been removed and claimed she would escalate the matter for deletion. She referenced case number XXXX and promised that the accounts would be deleted within three business days, and that I would receive a follow-up phone call. Neither of these follow-up actions occurred. This pattern of misleading conduct and failure to follow through on confirmed deletion notices constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that inaccurate or unverifiable information be promptly deleted and that consumers receive accurate responses to their disputes. Further, TransUnions false representation to the CFPB undermines the integrity of your investigative process and demonstrates bad faith. I am requesting that the CFPB : Immediately compel TransUnion to permanently delete all XXXXrelated accounts that were confirmed as DELETED in writing. Investigate TransUnion for deceptive practices and failure to implement effective procedures to ensure the accuracy of credit reporting. Impose appropriate penalties or sanctions against TransUnion for knowingly submitting false responses during a federal investigation. Please find the attached documents showing the mailed dispute results from TransUnion stating that the accounts were deleted. I am requesting urgent resolution of this matter. Thank you for your time and continued support in enforcing consumer rights under federal law.","date_sent_to_company":"2025-06-01T15:21:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"13831180","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-01T15:17:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Misrepresentation by <em>TransUnion</em> <em>XXXX</em> Accounts Not Deleted Despite Formal Dispute Results ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) I am writing to submit a formal follow-up complaint regarding <em>TransUnions</em> deceptive and misleading practices in connection with my previous dispute against <em>XXXX</em> student loan accounts appearing on my credit report. On <em>XXXX</em>, <em>TransUnion</em> issued me formal <em>investigation</em> results via mail, confirming that the disputed <em>XXXX</em> accounts were deleted from my credit report."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.082535,"13831180"]},{"_index":"complaint-public-v1","_id":"8509882","_score":16.849796,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Notice To Sue Subjet : Final Request To Remove Or Delete disputed accounts and Resolution.\n\nTo whom it may concern, I am writing regarding the continued over the accounts detailed below, for which I have received yet another generic response, the same response from Transunion Credit Bureau, indicating a previous verification. \nXXXX XXXXXXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX ( XXXX ) These accounts are not listed on my other XXXX credit reports that I have continually send not only my other XXXX credit reports and substantial documents that Transunion has asked me to provide to them for the removal of disputed accounts. This letter marks another attempt in a series of communications aimed at resolving the issue. The lack of a thorough investigation in this matter by Transunion is not only frustrating but also suggests a disregard for the CFPB laws designed to safeguard individuals like myself. Given the history of these disputes and the documentation of all related correspondence, I am seriously the involvement of my consumer rights attorney to asses potential violation of my rights. This is a final appeal for Transunion Credit Bureau to correct or remove the inaccurate information from my credit report. Failure to address this issue satisfactory, will compel me to pursue all available avenues including filing complaints with the Justice Department Office of the Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX, Division of Credit Practices, XXXX XXXX XXXX XXXX XXXX, as well as engaging my State Senator, Congress, the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. The resolution of this matter now rest with Transunion Credit Bureau. I urge Transunion to take appropriate and immediate action. My attorney is closely monitoring everything to ensure a fair resolution in this matter. I hope to receive a response in within 15 days of receiving this letter Sincerely, XXXX XXXX","date_sent_to_company":"2024-03-08T17:29:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"47130","tags":null,"has_narrative":true,"complaint_id":"8509882","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-08T16:39:26.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to address this issue satisfactory, will <em>compel</em> me to pursue all available avenues including filing complaints with the Justice Department Office of the Comptroller of Currency, <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, Division of Credit Practices, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, as well as engaging my State Senator, Congress, the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. The resolution of this <em>matter</em> now rest with <em>Transunion</em> Credit Bureau."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.849796,"8509882"]},{"_index":"complaint-public-v1","_id":"11890768","_score":16.740732,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, Subject : Urgent Request for Immediate Removal of Fraudulent Account ( XXXX  XXXX  ) I am writing to formally dispute the fraudulent account currently listed on my credit report under the name XXXX  XXXX  ( Account Number : XXXX ) with a balance of {$1600.00}. This account is the result of identity theft and has been reported without my authorization or knowledge. \n\nI have never opened an account with XXXX  XXXX, nor have I had any interaction with this institution. I demand that this fraudulent account be removed from my credit report immediately to prevent further harm to my financial well-being. \n\nTo assist in your investigation, I am providing the following supporting documentation : A copy of my FTC IDENTITY THEFT REPORT A copy of my government-issued ID. \nA Police Report for identity theft, filed on. \n\nAs the credit reporting agency, you are required under the Fair Credit Reporting Act ( FCRA ) to investigate this fraudulent account, and I request that you complete your investigation within the legally-mandated XXXX period. The FCRA further obligates you to delete any information that is found to be inaccurate or incomplete. \n\nI expect this fraudulent account to be promptly removed from my credit report, and I request written confirmation of the deletion. Failure to resolve this matter swiftly and accurately will compel me to escalate the issue further. \n\nPlease treat this matter with the urgency it deserves. I look forward to your immediate response and the swift resolution of this issue. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-02-01T15:34:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"232XX","tags":null,"has_narrative":true,"complaint_id":"11890768","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-01T15:33:44.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Failure to resolve this <em>matter</em> swiftly and accurately will <em>compel</em> me to escalate the issue further. \n\nPlease treat this <em>matter</em> with the urgency it deserves. I look forward to your immediate response and the swift resolution of this issue. \n\nThank you for your prompt attention to this <em>matter</em>."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.740732,"11890768"]},{"_index":"complaint-public-v1","_id":"11890771","_score":16.730873,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, Subject : Urgent Request for Immediate Removal of Fraudulent Account ( XXXX  XXXX  ) I am writing to formally dispute the fraudulent account currently listed on my credit report under the name XXXX  XXXX  ( Account Number : XXXX ) with a balance of {$1600.00}. This account is the result of identity theft and has been reported without my authorization or knowledge. \n\nI have never opened an account with XXXX  XXXX, nor have I had any interaction with this institution. I demand that this fraudulent account be removed from my credit report immediately to prevent further harm to my financial well-being. \n\nTo assist in your investigation, I am providing the following supporting documentation : A copy of my FTC IDENTITY THEFT REPORT A copy of my government-issued ID. \nA Police Report for identity theft, filed on. \n\nAs the credit reporting agency, you are required under the Fair Credit Reporting Act ( FCRA ) to investigate this fraudulent account, and I request that you complete your investigation within the legally-mandated XXXX period. The FCRA further obligates you to delete any information that is found to be inaccurate or incomplete. \n\nI expect this fraudulent account to be promptly removed from my credit report, and I request written confirmation of the deletion. Failure to resolve this matter swiftly and accurately will compel me to escalate the issue further. \n\nPlease treat this matter with the urgency it deserves. I look forward to your immediate response and the swift resolution of this issue. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-02-01T15:34:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"232XX","tags":null,"has_narrative":true,"complaint_id":"11890771","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-01T15:33:44.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Failure to resolve this <em>matter</em> swiftly and accurately will <em>compel</em> me to escalate the issue further. \n\nPlease treat this <em>matter</em> with the urgency it deserves. I look forward to your immediate response and the swift resolution of this issue. \n\nThank you for your prompt attention to this <em>matter</em>."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.730873,"11890771"]},{"_index":"complaint-public-v1","_id":"11890052","_score":16.730873,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, Subject : Urgent Request for Immediate Removal of Fraudulent Account ( XXXX  XXXX  ) I am writing to formally dispute the fraudulent account currently listed on my credit report under the name XXXX  XXXX  ( Account Number : XXXX ) with a balance of {$1600.00}. This account is the result of identity theft and has been reported without my authorization or knowledge. \n\nI have never opened an account with XXXX  XXXX, nor have I had any interaction with this institution. I demand that this fraudulent account be removed from my credit report immediately to prevent further harm to my financial well-being. \n\nTo assist in your investigation, I am providing the following supporting documentation : A copy of my FTC IDENTITY THEFT REPORT A copy of my government-issued ID. \nA Police Report for identity theft, filed on. \n\nAs the credit reporting agency, you are required under the Fair Credit Reporting Act ( FCRA ) to investigate this fraudulent account, and I request that you complete your investigation within the legally-mandated XXXX period. The FCRA further obligates you to delete any information that is found to be inaccurate or incomplete. \n\nI expect this fraudulent account to be promptly removed from my credit report, and I request written confirmation of the deletion. Failure to resolve this matter swiftly and accurately will compel me to escalate the issue further. \n\nPlease treat this matter with the urgency it deserves. I look forward to your immediate response and the swift resolution of this issue. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-02-01T15:34:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"232XX","tags":null,"has_narrative":true,"complaint_id":"11890052","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-01T15:12:24.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Failure to resolve this <em>matter</em> swiftly and accurately will <em>compel</em> me to escalate the issue further. \n\nPlease treat this <em>matter</em> with the urgency it deserves. I look forward to your immediate response and the swift resolution of this issue. \n\nThank you for your prompt attention to this <em>matter</em>."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.730873,"11890052"]},{"_index":"complaint-public-v1","_id":"14286269","_score":16.645317,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion for failing to provide valid verification or evidence regarding multiple items Ive disputed multiple times. \n\nThe following accounts were disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Two separate accounts reporting late payments. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion responded to my disputes with generic templates, claiming the information was verified as accurate without providing any of the documentation I lawfully requested. This includes : No original signed contracts No account-level billing statements No proof of authorization to report this information No actual verification from the furnishers involved I have submitted three formal disputes by certified mail and one previous CFPB complaint, to which they still have not provided a lawful or reasonable response. \n\nThis is now my fourth attempt, and I must emphasize that TransUnion is violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report unverifiable and inaccurate data after failing to investigate properly.\n\nTheir investigation does not meet the standards of a reasonable reinvestigation under FCRA Section 611, especially when no proof has been provided to support the continued reporting.\n\nI am formally demanding the permanent deletion of all disputed items from my credit report due to : Lack of valid verification Violation of my consumer rights Failure to comply with previous dispute requests Please investigate this matter immediately and compel TransUnion to remove these entries if they can not legally verify the accounts.\n\nAttachments : Copies of past dispute attempts MY ID AND BILL","date_sent_to_company":"2025-06-25T21:12:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07055","tags":null,"has_narrative":true,"complaint_id":"14286269","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T20:33:56.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am formally demanding the permanent deletion of all disputed items from my credit report due to : Lack of valid verification Violation of my consumer rights Failure to comply with previous dispute requests Please <em>investigate</em> this <em>matter</em> immediately and <em>compel</em> <em>TransUnion</em> to <em>remove</em> these entries if they can not legally verify the accounts.\n\nAttachments : Copies of past dispute attempts MY ID AND BILL"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[16.645317,"14286269"]},{"_index":"complaint-public-v1","_id":"14221956","_score":16.615744,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have attached a certified mail proof of sending TransUnion this information ( they are yet to comply ) : I sent TransUnion a letter basically saying they did not have my permission under 15 USC 1681, number 3, 4, and 1681 B, number 2 by certified mail. TransUnion is the only one who did not comply and XXXX  out the file of all negative reporting out of XXXX  and XXXX  reference to 15 U.S.C. 1681b, which restricts when a consumer report may be furnished. XXXX  and XXXX complied, but TransUnion did not. I am submitting this formal complaint against TransUnion, LLC for failing to comply with the provisions of the Fair Credit Reporting Act ( FCRA ) specifically under 15 U.S.C. 1681b, 1681b ( 2 ), and related consumer rights under 1681 et seq. \n\nI sent TransUnion a certified letter asserting that they lacked permissible purpose to furnish or maintain my consumer report data under 15 U.S.C. 1681b, as no such authorization was given by me under sections ( 2 ), ( 3 ), or ( 4 ). I requested that they remove any and all negative or unauthorized reporting from my consumer file. TransUnion received my letter via certified mail ( see attached card of USPS Tracking number ) but has failed to respond or take corrective action. In contrast, XXXX  and XXXX  complied with my request and removed the disputed entries in accordance with the law.I believe TransUnion is violating federal consumer protection statutes by : Maintaining and distributing my consumer data without permissible purpose. \n\nFailing to investigate or respond to a lawful dispute request. \n\nWillfully disregarding my rights under the FCRA. \n\nI am requesting the CFPB 's assistance in investigating this matter and compelling TransUnion to comply with applicable consumer protection laws. I am attaching the following supporting documents : Proof of delivery ( certified mail receipt ) Thank you for your attention to this matter. Please let me know if you need further documentation or clarification.","date_sent_to_company":"2025-06-22T10:50:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"36117","tags":null,"has_narrative":true,"complaint_id":"14221956","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-22T10:07:10.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I am requesting the CFPB 's assistance in <em>investigating</em> this <em>matter</em> and <em>compelling</em> <em>TransUnion</em> to comply with applicable consumer protection laws. I am attaching the following supporting documents : Proof of delivery ( certified mail receipt ) Thank you for your attention to this <em>matter</em>. Please let me know if you need further documentation or clarification."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[16.615744,"14221956"]},{"_index":"complaint-public-v1","_id":"13164400","_score":16.486347,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report a violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion. \n\nTransUnion continues to report a XXXX  XXXX XXXX  dated XX/XX/year>, on my credit file. I formally disputed this entry, and TransUnion responded stating it had been verified as reported. However, this claim is not supported by any verifiable documentation from the original source. \n\nTo confirm this, I obtained official documentation from the U.SXXXX XXXX  XXXX XXXX XXXX Maryland, which states : \" The United States XXXX  XXXX does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. '' This proves that TransUnion could not have verified the bankruptcy through the original source, as required by 15 U.S. Code 1681i. Under the FCRA, if a credit bureau can not verify a disputed item with the original furnisher of the information, it must delete the item. \n\nIn addition, I am including supporting documentation from XXXX, a third-party public records provider, which investigated through XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and deleted the bankruptcy from their system due to lack of verifiable data. \n\nDespite this, TransUnion continues to report the item and falsely claims it has been verified. \n\nAttachments included with this complaint : Official letter from the XXXX XXXX  XXXX ( XXXX of Maryland ) confirming it does not report or verify data to credit bureaus. \n\nNotification from XXXX showing the deletion of the bankruptcy from their records after their PACER investigation. \n\nCopy of my government-issued ID to verify my identity. \n\nI respectfully request that the CFPB investigate this matter and compel TransUnion to remove this unverifiable XXXX  from my credit file in compliance with the FCRA. \n\nThank you for your attention and assistance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-24T18:30:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20707","tags":null,"has_narrative":true,"complaint_id":"13164400","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-24T18:11:19.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I respectfully request that the CFPB <em>investigate</em> this <em>matter</em> and <em>compel</em> <em>TransUnion</em> to <em>remove</em> this unverifiable <em>XXXX</em>  from my credit file in compliance with the FCRA. \n\nThank you for your attention and assistance. \n\nSincerely, <em>XXXX</em> <em>XXXX</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[16.486347,"13164400"]},{"_index":"complaint-public-v1","_id":"14437959","_score":16.397358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against the XXXX major credit reporting agenciesEquifax, Experian and TransUniondue to their failure to properly investigate disputed accounts, their lack of response within the required XXXX-day period, and their subsequent inaction. \nThese issues have caused significant harm to my credit profile and financial well-being. \nDetails of the Complaint In XX/XX/year>, I submitted disputes to Equifax, Experian, and TransUnion regarding inaccurate information on my credit reports, including inaccurate and incomplete information from multiple accounts on my credit report. I have sent dispute letters certified mail # XXXX, # XXXX, # XXXX, as required under the Fair Credit Reporting Act ( FCRA ). \nDespite the FCRAs mandate that credit reporting agencies must notify the furnisher of disputed information within five business days and conduct a reasonable investigation, none of the agencies responded within this timeframe. Furthermore, after the initial dispute, they failed to provide any meaningful investigation or resolution. The disputed information remains on my credit reports, negatively impacting my ability to secure credit and causing ongoing financial distress. \nRequested Resolution I request that the CFPB investigate this matter and compel Equifax, Experian, and TransUnion to : - Conduct a thorough and timely investigation into my disputed accounts. \nXXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX. \n- Remove or correct the inaccurate information from my credit reports. - Provide a written explanation of their investigation process and findings. - Ensure compliance with FCRA requirements for future disputes.","date_sent_to_company":"2025-07-03T15:48:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"12208","tags":null,"has_narrative":true,"complaint_id":"14437959","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-03T15:47:30.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Requested Resolution I request that the CFPB <em>investigate</em> this <em>matter</em> and <em>compel</em> Equifax, Experian, and <em>TransUnion</em> to : - Conduct a thorough and timely <em>investigation</em> into my disputed accounts. \n<em>XXXX</em>. # <em>XXXX</em>, <em>XXXX</em>. # <em>XXXX</em>, <em>XXXX</em>. # <em>XXXX</em>, <em>XXXX</em>. # <em>XXXX</em>, <em>XXXX</em>. # <em>XXXX</em>, <em>XXXX</em>. # <em>XXXX</em>. \n- <em>Remove</em> or correct the inaccurate information from my credit reports. - Provide a written explanation of their <em>investigation</em> process and findings. - Ensure compliance with FCRA requirements for future disputes."]},"sort":[16.397358,"14437959"]},{"_index":"complaint-public-v1","_id":"14448758","_score":16.37819,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against the XXXX major credit reporting agenciesEquifax, Experian and TransUniondue to their failure to properly investigate disputed accounts, their lack of response within the required XXXX-day period, and their subsequent inaction. \nThese issues have caused significant harm to my credit profile and financial well-being. \nDetails of the Complaint In XX/XX/year>, I submitted disputes to Equifax, Experian, and TransUnion regarding inaccurate information on my credit reports, including inaccurate and incomplete information from multiple accounts on my credit report. I have sent dispute letters certified mail # XXXX, # XXXX, # XXXX, as required under the Fair Credit Reporting Act ( FCRA ). \nDespite the FCRAs mandate that credit reporting agencies must notify the furnisher of disputed information within five business days and conduct a reasonable investigation, none of the agencies responded within this timeframe. Furthermore, after the initial dispute, they failed to provide any meaningful investigation or resolution. The disputed information remains on my credit reports, negatively impacting my ability to secure credit and causing ongoing financial distress. \nRequested Resolution I request that the CFPB investigate this matter and compel Equifax, Experian, and TransUnion to : - Conduct a thorough and timely investigation into my disputed accounts. \nXXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX, XXXX. # XXXX. \n- Remove or correct the inaccurate information from my credit reports. - Provide a written explanation of their investigation process and findings. - Ensure compliance with FCRA requirements for future disputes.","date_sent_to_company":"2025-07-03T15:48:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"12208","tags":null,"has_narrative":true,"complaint_id":"14448758","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, 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