Consumer complaint received 2025-11-16 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: GA

Complaint narrative:
I am disputing the reporting of the XXXX XXXX tradeline ( Account # XXXX ) because it has been verified by TransUnion without any documentation, evidence, or legally required validation. Your handling of this dispute violates several provisions of the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and establishes that this account can not be verified and must be deleted immediately. 



XXXX. TRANSUNION VERIFIED THE ACCOUNT WITHOUT OBTAINING ANY DOCUMENTATION Under 15 U.S.C. 1681i ( a ) ( 2 ) ( 3 ), TransUnion must : Forward all dispute information to the furnisher Require the furnisher to conduct a reasonable investigation Require the furnisher to provide documentation supporting verification Delete or correct the account if the furnisher can not verify the information TransUnion did none of this. 

XXXX produced zero documentation, no contract, no payment history, no repossession paperwork, no notices, and no validation.

Yet TransUnion marked the account as verified anyway.

That is a textbook violation of : FCRA 1681i ( a ) ( 4 ) failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) failure to ensure maximum accuracy FCRA 1681i ( a ) ( 5 ) failure to delete unverifiable information When a furnisher provides no documentation at all, the CRA must delete not rubber stamp the furnishers claim. 



XXXX. XXXX FAILED TO PROVIDE ANY LEGALLY REQUIRED VALIDATION XXXX was required under the FCRA ( and Uniform Commercial Code for auto repossessions ) to provide : The UCC 9-611 pre-sale notice Proof of mailing of the notice The Notice of Sale Accounting of sale proceeds Chain of custody of the vehicle Validation of deficiency Verification of credit reporting data Metro 2compliant reporting fields They provided nothing.

If the furnisher does not verify, TransUnion can not legally verify.

You did anyway which again violates : FCRA 1681i ( a ) ( 5 ) ( A ) ( you MUST delete when verification is not provided ). 



XXXX. XXXX SENT A THREATENING COLLECTION MESSAGE WHILE IGNORING THE CFPB DISPUTE This proves XXXX is not verifying, not investigating, and not acting in good faith. 



On ( XX/XX/XXXX ) I received a threatening message from XXXX and an email, stating : The account has charged off I must settle They may pursue legal proceedings, liens, judgments, or wage garnishment This message was sent while my CFPB complaint was OPEN and UNANSWERED. 

This violates : FDCPA 807 false threats of legal action FDCPA 808 unfair pressure tactics CFPB collection rules coercive communication during dispute FCRA 623 continuing to furnish unverified data XXXX is actively collecting instead of verifying proving the data TransUnion is reporting is unreliable and unverified. 



4. TRANSUNION IS REPORTING CONTRADICTORY, INACCURATE, AND IMPOSSIBLE DATA The XXXX tradeline includes : A fabricated payment history despite no payments ever being made Month-to-month balance fluctuations that do not match real activity A high balance that contradicts the loan contract PRL<, RPO, and C/O codes applied inconsistently Missing Metro 2 fields An impossible scheduled payment value Past due amounts that dont align with charge-off status These violate Metro-2 rules : Field 11 ( Account Status ) Field 17 ( Payment Rating ) Field 18 ( Payment History ) Field 24 ( Actual Payment Amount ) Field 40/41 ( Original/High Credit ) This proves the account is inaccurate AND unverifiable, triggering mandatory deletion under : FCRA 1681i ( a ) ( 5 ) FCRA 1681e ( b ) 5. REQUIRED ACTION UNDER FEDERAL LAW Because : TransUnion verified without documentation XXXX provided no validation XXXX violated dispute rules The tradeline contains numerous inaccuracies Metro-2 reporting is incorrect Threatening communications were sent during a dispute The CFPB dispute remains unanswered TransUnion must delete the XXXX Acceptance tradeline in full. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If information can not be verified, the CRA shall promptly delete it. 

This is not optional. 

ENCLOSED / ATTACHED Screenshot of threatening collection message Screenshot of inaccurate payment history Copy of CFPB complaint Evidence of lack of documentation from XXXX Please complete this reinvestigation and delete the tradeline as required by federal law.

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 explanation