Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I am writing to formally file a complaint against TransUnion for failing to conduct proper investigations and for false representation regarding disputed items on my credit report. Despite repeated disputes submitted to TransUnion over several years, these issues remain unresolved, and inaccuracies persist. 

Key Disputed Items and Issues XXXX. XXXX XXXX ( Account Numbers : XXXX and XXXX ) Issue : Both accounts are reported as " Charged Off '' with balances of {$800.00} and {$430.00}, respectively, and include the remark, Dispute resolved ; reported by grantor. However, TransUnion failed to provide any documentation verifying these debts or properly address my claims of inaccurate reporting. The credit limits on these accounts ( {$600.00} and {$300.00} ) also do not justify the listed balances, indicating potential misrepresentation of account activity.

Violation : TransUnion failed to comply with FCRA 611 ( a ) ( 1 ) ( A ), which mandates that consumer reporting agencies investigate disputes in a reasonable manner. 

XXXX. XXXX XXXX  ( Account Number : XXXX ) Issue : This account is listed as " Charged Off '' with a balance of {$1800.00} and includes the comment, Dispute resolved; customer disagrees. Despite my disputes, TransUnion failed to provide proof of the debts validity or investigate my claim that the account involved unauthorized activity. 
Violation : XXXX failure to verify the debt contravenes FCRA 1681e ( b ), which requires consumer reports to maintain maximum possible accuracy. 

XXXX. XXXX XXXX ( Account Number : XXXX ) Issue : This account is marked as " Charged Off '' with a balance of {$480.00} and the remark, Dispute resolved ; reported by grantor. However, my disputes about unauthorized charges were ignored, and TransUnion failed to provide any substantive investigation or documentation validating the debt. 
Violation : XXXX actions violate FCRA XXXX, which mandates the timely and proper investigation of disputes. 

XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Issue : This account lists a balance of {$19000.00} and a past-due amount of {$18000.00}. Despite numerous disputes, TransUnion has failed to verify the legitimacy of this debt or address the lack of supporting documentation for these figures. 
Violation : XXXXorting unverifiable debts violates FCRA 1681i ( a ) ( 5 ) ( A ), which requires consumer reporting agencies to delete disputed information if it can not be verified.

5. False Representation of Account Status Issue : TransUnion continues to list disputed accounts with comments implying that disputes have been resolved, despite failing to conduct thorough investigations or provide any verification of the debts in question. This practice misrepresents the true status of my credit report and misleads lenders.

Violation : These actions constitute false representation and deceptive practices in violation of consumer protection laws under the FCRA and the Federal Trade Commission Act ( FTCA ).

Connection to Consumer Protection Laws Under FCRA 611 and related consumer protection laws, TransUnion is obligated to conduct reasonable investigations of disputes and verify the accuracy of reported information. My disputes have been ignored or handled negligently, reflecting systemic non-compliance with these legal requirements. TransUnions false representation of disputed items as resolved also constitutes deceptive practices under the FTCA, further harming my creditworthiness.

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