Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
This complaint is being filed in direct response to the CFPBs closure of Complaint # XXXX, which was wrongfully marked as a duplicate. The new complaint Im submitting today, XX/XX/year>, is intended to address both the XXXX XXXX FCUs furnishing misconduct [ XXXX ] and TransUnions reinvestigation failure [ XXXX ] regarding these same tradelines. 

I find it interesting how these credit bureaus stand so tall, acting as if they know everythingwhen in reality, they clearly understand very little. If they could even begin to comprehend the words and facts contained in the two complaints attached below, they would see that these are two entirely separate issues. Yet, instead of addressing them properly, they continue to blur the lines and defend the creditors errors, making it appear as though theyre being paid by the furnisher to keep these false tradelines alive on my credit report. 

This filing outlines both violations clearlyXXXX  improper furnishing [ XXXX ] and TransUnions failure to perform a lawful reinvestigation [ XXXX ] so that they can no longer hide behind technicalities or generic template responses. 

-- - # # # * * CFPB Complaint # XXXXXXXX XXXX XXXX XXXX ( Furnisher Violation ) * * * * Agency / Company : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed : * * XX/XX/year> * * Summary of Complaint : * * XXXX XXXXs furnishing inaccurate, incomplete, and unverifiable information to * * XXXX XXXX and TransUnion * XXXX. They continue to report two charged-off accounts as delinquent and update them monthly, even after charge-off, which constitutes * * illegal re-aging * * under Metro 2. 

* * Key Points : * * * On XX/XX/year>, XXXX responded to your dispute but * * failed to provide validation * * no original agreements, ownership proof, or payment history. 
* They falsely claimed that * credit bureaus * determine how XXXX name appears on reports, shifting responsibility. 
* Their correspondence ignored your reported as fraud by consumer dispute notation. 
* They threatened continued collection ( charge-off does not mean uncollectable ) without proof of ownership. 
* These actions violate * * FCRA 611, 623, 1681e ( b ) * *, * * Metro 2 reporting standards * *, and * * FDCPA * *.

* * Violation Type : * * * Furnisher-level violations * ( XXXX reporting behavior ).

* * Statutory sections : * * FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ; FDCPA 807. 

* * Proof of Ongoing Inaccuracy : * * * XXXX  ( XX/XX/year> ) both XXXX  accounts ( XXXX ) : still charged-off, {$7900.00} and {$93.00} balances. 
* TransUnion ( XX/XX/year> XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  : still Charged-off as bad debt | Dispute resolved subscriber disagrees. 
* XXXX XXXX XXXX  XX/XX/year> ) no XXXX tradelines, confirming data inconsistency. 

* * Conclusion : * * XXXX conduct created the inaccurate data by furnishing false, unvalidated, and re-aged information a * furnisher violation *. 

-- - # # # * * CFPB Complaint # XXXX TransUnion LLC XXXX Credit Bureau Violation ) * * * * Agency / Company : * * TransUnion LLC XXXX XXXX Filed : * * XX/XX/year> * * Summary of Complaint : * * TransUnion mishandled its reinvestigation of the UNIFY tradelines reported above. Instead of conducting a reasonable reinvestigation as required by FCRA 611, TransUnion merely marked the accounts Active Dispute ( 2 ) and closed your CFPB case as Closed with Non-Monetary Relief.

* * Key Points : * * * TransUnions response was generic boilerplate and did not include XXXX verification data, XXXX, or any validation records. 
* The bureau relied entirely on XXXX unproven data, violating * * FCRA 611 ( a ) * * ( reasonable reinvestigation ) and * * 1681e ( b ) * * ( maximum possible accuracy ).

* Their closure misrepresented that relief had been provided, when no deletions or corrections were made.

* Their own record in the CFPB portal confirms the result was Closed with non-monetary relief, and your feedback stated No, the company did not resolve my issue.

* * Violation Type : * * * Credit-bureau-level violations * ( TransUnions reinvestigation process ). 
* * Statutory sections : * * FCRA XXXX ( a ) and XXXX ( b ). 

* * Proof of Ongoing Inaccuracy : * * * TransUnion still reports both XXXX  accounts as * derogatory/charged-off * and * disputed * as of XX/XX/year>. 
* No documentation or validation was ever furnished to you despite your request. 

* * Conclusion : * * TransUnions conduct represents a separate violation failure to reasonably reinvestigate and correct the inaccurate data supplied by XXXX. 

-- - # # # * * In Summary * * | Complaint ID | Company | Type of Violation | Core Issue | FCRA Sections Impacted | Current Status | | -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | * * XXXXXXXX XXXX XXXX | * * XXXX XXXX XXXX XXXX XXXX  | Furnisher violation | Furnishing false, re-aged, and unverifiable tradelines | 623 ( a ), 623 ( b ), 1681e ( b ), FDCPA | Closed company failed validation | | * * XXXX * * | * * TransUnion LLC * * XXXX CRA violation | Failing XXXX reinvestigate or correct inaccurate data | 611 ( a ), 1681e ( b ) | Closed non-monetary relief, unresolved | -- - # # # * * XXXX XXXX * * * * * Complaint # XXXX * * targets * UNIFYs furnishing conduct * the creation and ongoing reporting of false and re-aged tradelines. 
* * * Complaint # XXXX * * XXXX  * TransUnions reinvestigation failure * their refusal to conduct a lawful, good-faith reinvestigation or provide validation. 

Both stem from the same XXXX tradelines but represent * * two distinct points of failure * * : first, the * creation * of inaccurate data by XXXX, and second, the * failure to correct * that data by TransUnion.

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