Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion continues to report inaccurate and unverifiable information on my credit report despite my repeated disputes over the last six months. I have provided clear, relevant evidence showing which accounts are inaccurate, yet TransUnion continues to refuse to properly reinvestigate or verify the information as required by law. 
In response to my disputes, TransUnion sent a letter stating that outlined in the Fair Credit Reporting Act, unless you have additional relevant information that supports the change you are requesting, we are not required to reinvestigate the same items again at this time. They also stated that in order to conduct a reinvestigation, I must send in documents such as a letter from the creditor or courthouse, billing statement, canceled check, or money order showing payment. 
However, I had already provided relevant information by submitting a full copy of my credit report with each inaccurate item clearly highlighted and labeled for dispute. Under FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 3 ) ( B ), this is considered relevant information sufficient to trigger a reinvestigation. The law does not restrict relevant information to the specific document types they listed.

By refusing to reinvestigate after receiving a clearly documented report of inaccuracies, TransUnion violated FCRA 611 ( a ) ( 1 ) ( failure to conduct a reasonable reinvestigation ) and 611 ( a ) ( 3 ) ( B ) ( failure to properly justify why a dispute is deemed frivolous or repetitive ). Their conduct also violates 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports.

Across multiple disputes, TransUnion has repeatedly failed to : Conduct a reasonable reinvestigation in good faith ; Provide the full method of verification used to confirm the accuracy of the disputed information, as required under 611 ( a ) ( 6 ) ( B ) ( iii ) ; Provide documentation relied upon to verify the accuracy of the data ; and Delete or correct unverifiable information that continues to harm my credit.

In addition, TransUnion placed an identity theft/fraud alert on my credit report that I never requested. I have never filed an identity theft report or asked for any alert. Under FCRA 605A, such alerts may only be placed upon the consumers request. This action represents a serious procedural failure and constitutes another violation of TransUnions duty to ensure the accuracy and integrity of the consumers file.

This unauthorized alert could interfere with legitimate credit applications and cause reputational and financial harm. I request that TransUnion remove the unauthorized alert immediately, provide written confirmation of removal, and produce the full audit trail showing when and how the alert was placed, who placed it, and any communications related to it.

Despite being notified multiple times, TransUnion continues to ignore its statutory obligations. I have already reported TransUnions ongoing noncompliance to the Florida Attorney Generals Office and the Florida Department of Agriculture and Consumer Services ( FDACS ), both of which have acknowledged receipt of my complaints.

At this point, TransUnions behavior reflects systemic noncompliance and deliberate neglect of federal and state consumer protection laws. The companys pattern of refusing to conduct proper investigations, failing to provide documentation, and placing unauthorized alerts demonstrates willful disregard for the Fair Credit Reporting Act and consumer rights.

I requested that TransUnion : Reinvestigate and correct or delete inaccurate and unverifiable items ; Provide all documentation and the full method of verification used to confirm disputed accounts ; and Remove the unauthorized identity theft alert placed on my credit report, while providing the complete audit trail and written confirmation of removal.

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