Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
To Whom It May Concern, I am submitting this follow-up complaint regarding TransUnions ongoing failure to conduct a reasonable investigation into multiple disputes I have submitted over the past XXXX months. TransUnion has repeatedly issued generic template responses and failed to address the specific evidence and details provided in each of my prior disputes, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ).

In my previous CFPB complaint, I explicitly stated that my issue was TransUnions lack of a meaningful reinvestigation process. However, TransUnion falsely informed the CFPB that they did not understand what my complaint was aboutdespite being clearly informed that my concern was the failure to properly investigate the accuracy of specific accounts and inquiries listed below. 

After XXXX months and multiple dispute submissions, TransUnion has not provided proof of investigation, supporting documentation, or verification from furnishers. Their responses appear automated and fail to meet the standards of a reasonable investigation as defined under the FCRA. 

Disputed Accounts and Inquiries XXXX ( Account # XXXX ) Opened : XX/XX/XXXX | Balance : {$1000.00} Dispute : I requested proof of the negative payment history, including all statements showing the exact past due amounts and the date the account became negative. 

TransUnion failed to provide this documentation and instead issued a generic response with no evidence supporting the accounts current negative status. 

XXXX ( Account # XXXX ) Opened : XX/XX/XXXX | Balance : {$550.00} Dispute : This account is being incorrectly reported as a charge-off with a balance due. I requested proof of the charge-off and verification of the balance. 

TransUnion failed to provide documentation verifying this charge-off or update the balance to {$0.00}. 

XXXX Flexible Spending ( Account # XXXX ) Opened : XX/XX/XXXX | Balance : {$5600.00} Dispute : This account is incorrectly reported as a charge-off. I requested proof of the charge-off or deletion of the negative payment status. 

TransUnion failed to provide proof or conduct a proper reinvestigation. 

Disputed Inquiries ( Unauthorized or Unverified ) Despite multiple disputes requesting verification of hard inquiries that I did not authorize, TransUnion has failed to provide any evidence of permissible purpose as required under FCRA 604 ( a ) ( 3 ). 
The following inquiries remain unverified and should be deleted unless TransUnion can provide written proof of authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX For each of these, I specifically requested proof of authorization or documentation showing permissible purpose, yet TransUnion has provided no evidence, only form letters claiming the inquiries are valid.

Pattern of Noncompliance TransUnions actions demonstrate a pattern of willful noncompliance with FCRA 611 ( a ), which requires them to : Conduct a reasonable reinvestigation of disputed items. 

Review all relevant information provided by the consumer. 

Provide documentation or verification from the furnisher of information. 

Instead, TransUnion has repeatedly sent generic and dismissive responses without performing any actual investigation, nor have they provided documentation supporting the continued reporting of these items. 

Requested Action I respectfully request that the CFPB : Reopen and escalate this complaint against TransUnion for failing to comply with FCRA 611 ( a ) ( 1 ) ( A ).

Require TransUnion to conduct a legitimate reinvestigation and provide written verification and supporting documentation for each disputed account and inquiry.

If TransUnion can not provide this proof, they must delete the disputed items from my credit file as required under FCRA 611 ( a ) ( 5 ).

Investigate TransUnions practice of misrepresenting complaint content to the CFPB as a tactic to evade proper regulatory oversight.

Thank you for your time and attention to this matter. I have full documentation of my disputes, TransUnions responses, and supporting evidence available upon request. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX Your CFPB Complaint Number : XXXX

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