Consumer complaint received 2025-07-03 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: OH

Complaint narrative:
These accounts XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX  XXXX  XXXX  said that they investigated the dispute and it was verified. Subject : FCRA Violation Improper Investigation by XXXX XXXX XXXX XXXX 
Reference Law : 15 U.S.C. 1681s-2 ( b ) Supporting Case Law : Roberts v. Carter-Young, Inc., 131 F.4th 241 ( 4th Cir. 2025 ) Dear CFPB Officer, I am submitting this formal complaint regarding XXXX, XXXX, a third-party debt collector and furnisher of credit data, for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). XXXX continues to report inaccurate and unverifiable information on my credit reports after being notified of multiple disputeswithout conducting a legally compliant investigation. 

1. Background : Company Reporting the Debt : XXXX XXXX XXXX XXXX 
Disputed Account Name/Number : XXXX account ( or specify if different ) Date of First Dispute to CRAs : [ Insert Date ] CRAs Involved : [ e.g., TransUnion, XXXX, XXXX ] Date of XXXX Re-verification : [ Insert Date ( s ) ] After submitting a detailed dispute to the credit bureaus, XXXX  verified the account without conducting any reasonable investigation or reviewing relevant documentation as required by law. They merely confirmed the debt with the original creditoran approach now deemed inadequate under binding federal case law. 



2. Legal Grounds Violation of 1681s-2 ( b ) : Under 15 U.S.C. 1681s-2 ( b ), a furnisher who receives notice of a dispute from a consumer reporting agency is legally required to : 1. Conduct a reasonable investigation ; 2. Review all relevant information provided by the CRA ; 3. Report the results to the CRA ; 4. Correct or delete any inaccurate, incomplete, or unverifiable information. 

XXXX failed to perform any of these required steps properly. Instead, they responded to disputes by re-verifying the account without reviewing my documentation, engaging with facts, or resolving inaccuracies. 



3. Supporting Case Roberts v. Carter-Young, Inc., 131 F.4th 241 ( 4th Cir. 2025 ) The Fourth Circuit Court of Appeals in Roberts v. Carter-Young clarified that furnishers must investigate legal and factual issues when the dispute involves objectively verifiable information. The court explicitly rejected XXXX defense that it didnt need to investigate because the dispute raised legal issues. 

In XXXX, the court held that : A furnisher may not ignore disputes simply because the underlying issues have legal elements. Where a consumer identifies inaccuracies that are factual, objectively verifiable, and affect report accuracy, a full and reasonable investigation is required. 

This case directly applies to my situation. XXXX failed to investigate my dispute properly. Their continued furnishing of inaccurate informationdespite being notifiedviolates both 1681s-2 ( b ) and the legal standards articulated by the court in XXXX. 



4. Harm & Requested Relief : This ongoing inaccuracy has negatively affected my credit standing, caused emotional and financial distress, and impeded my ability to secure credit. I am formally requesting the CFPB to : 1. Open an investigation into XXXX dispute-handling practices ; 2. Order the immediate deletion of the inaccurate account from all credit reports ; 3. Enforce compliance under FCRA 1681s-2 ( b ) ; and 4. Notify me of the outcome and any action taken.

5. {$5000.00} in damages

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