Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Date : XX/XX/year> To : TransUnion LLC Consumer Dispute Center and Consumer Financial Protection Bureau ( CFPB ) Subject : TransUnion is Continuing to Report a Debt That Experian Permanently Deleted for Failure to Verify My name is XXXX XXXX. 
Experian permanently deleted the XXXX XXXX XXXX account that was furnished through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/year>. 
Experian deleted the account because the furnisher could not verify it during reinvestigation as required by FCRA Section 611 ( a ) ( 1 ) ( A ) - ( B ).

Once a credit bureau deletes a tradeline due to failure to verify, that account becomes legally unverified, unsubstantiated, and disqualified from further reporting, collection, or enforcement. Federal law prohibits any credit bureau or furnisher from continuing to report information that is inaccurate or unverifiable.

The laws that apply include : FCRA Section 611 ( a ) ( 5 ) ( A ) : Unverified information must be deleted.

FCRA Section 611 ( a ) ( 5 ) ( B ) : Reinsertion is prohibited without full certification and documentation.

FCRA Section 623 ( a ) ( 1 ) ( A ) : It is illegal to furnish information known to be inaccurate or unverifiable.

FCRA Section 623 ( b ) ( 1 ) ( D ) : Bureaus must delete unverifiable information.

FCRA Section 607 ( b ) : Bureaus must ensure maximum possible accuracy.

FDCPA Section 807 ( 8 ) : False credit information can not be communicated.

FDCPA Section 807 ( 10 ) : Deceptive or misleading information can not be used for collection.

Even after Experian deleted the account for inability to verify, TransUnion is still reporting the same account using the same documents that have already been determined unverifiable. This is a violation of the FCRA and the FDCPA because the information is now legally known to be unverified, disqualified, and inaccurate.

Under FCRA Section 623 ( b ) ( 1 ) ( D ) and Section 607 ( b ), TransUnion must now : Delete the account permanently.

Block all future reinsertion unless certified documentation is provided by the furnisher under FCRA Section 611 ( a ) ( 5 ) ( B ).

Provide written confirmation of deletion. 

Declaration : I, XXXX XXXX, affirm that Experian permanently deleted the XXXX account on XX/XX/year>, because the furnisher could not verify it. This account is legally unverified and must be deleted by TransUnion. 

Signature : ____________________________ Printed Name : XXXX XXXX Date : XX/XX/year> Attachments : XXXX  deletion notice dated XX/XX/year> Screenshot showing TransUnion still reporting the account Copy of prior disputes and Method of Verification requests

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