Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
SUBJECT : Complaint Improperly Marked as " Duplicate '' - Request Reopening CONSUMER FEEDBACK : THIS IS NOT A DUPLICATE COMPLAINT I am disputing TransUnion 's marking of my complaint as a " duplicate '' on XX/XX/XXXX. This is NOT a duplicate and represents a NEW and SEPARATE violation that requires individual investigation and response. 

WHY THIS IS NOT A DUPLICATE : XXXX. EACH COMPLAINT DOCUMENTS A NEW FCRA VIOLATION : My complaint filed on XX/XX/XXXX documents : A NEW dispute of the same ongoing violations TransUnion 's FAILURE to correct after previous complaints TransUnion 's CONTINUED violations despite repeated notice Additional time elapsed = additional damages This is NOT a duplicate of a previous complaint. This is documentation of CONTINUED violations. 

XXXX. TRANSUNION 'S PATTERN OF VIOLATIONS : Complaint # FiledStatusDays Since PriorIssueXXXXLate response ( XXXX  days ) -Initial violationXXXXLate response ( XXXX  days ) XXXX  days Continued violationXXXXLate response ( XXXX  days ) XXXX  days Continued violationXXXXLate response ( XXXX days ) XXXX days Continued violation504/08/25Late response ( XXXX  days ) XXXX daysContinued violationXXXXLate response ( XXXX  days ) XXXX  days Continued violationXXXXMARKED " DUPLICATE '' XXXX  days NEW violation Each complaint is a SEPARATE violation of FCRA 's XXXX requirement and duty to correct inaccurate information. 
Marking this as " duplicate '' allows TransUnion to avoid : Responding within XXXX  days ( now XXXX days since filing ) Addressing the substantive violations Taking responsibility for continued violations Providing any resolution XXXX. " DUPLICATE '' MARKING VIOLATES FCRA INVESTIGATION REQUIREMENT : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires : " Before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer ... shall conduct a reasonable reinvestigation ... '' This applies to EACH dispute, not just the first XXXX. 
There is NO " duplicate '' exception in FCRA. Even if I'm disputing the same accounts : Each dispute requires investigation within XXXX  days Each dispute requires substantive response Each continued violation is a new FCRA violation By marking this as " duplicate, '' TransUnion is : Avoiding the XXXX investigation requirement Refusing to respond to my dispute Continuing to report false information without consequence Adding another FCRA violation XXXX failure to investigate ) XXXX. THIS COMPLAINT CONTAINS NEW INFORMATION : My XX/XX/XXXX complaint specifically referenced : XXXX  deleted XXXX accounts on XX/XX/XXXX ( XXXX  months prior to this complaint ) XXXX of those accounts TransUnion still reports This proves TransUnion 's reporting is inaccurate TransUnion has been on notice since XX/XX/XXXX that industry peer determined accounts inaccurate This is NEW information that was not in previous complaints. 
TransUnion is required to investigate this new information and explain why their conclusion differs from XXXX 's deletion decision. 
Marking this as " duplicate '' avoids addressing this critical new evidence. 

TRANSUNION 'S " DUPLICATE '' TACTIC IS IMPROPER : This appears to be a strategy to : Avoid the XXXX investigation deadline Avoid providing substantive response Avoid addressing XXXX  deletion contradiction Continue reporting false information indefinitely Claim " we already investigated '' without addressing new information This violates FCRA 's requirement for reasonable reinvestigation. 

REQUESTED ACTION FROM CFPB : XXXX. UNMARK THIS COMPLAINT AS " DUPLICATE '' This is a separate violation requiring separate investigation Contains new information ( XXXX  deletions ) Documents continued violations after prior complaints XXXX. REQUIRE TRANSUNION TO RESPOND SUBSTANTIVELY Within remaining time in XXXX deadline ( or acknowledge violation ) Address the XXXX  deletion contradiction Explain why they continue reporting accounts XXXX deleted XXXX inaccurate Provide Method of Verification documentation XXXX. DOCUMENT ADDITIONAL VIOLATION " Duplicate '' marking = failure to investigate under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Now XXXX days since filing with no investigation or response Add to pattern of systematic violations TransUnion XXXX FCRA Violation - Marked Complaint " Duplicate '' to Avoid XXXX Deadline - XXXX Days Without Response COMPLAINT TYPE : Credit reporting, credit repair services, or other personal consumer reports Problem with a credit reporting company 's investigation into an existing problem Their investigation did not fix an error on your report WHAT HAPPENED : This is my XXXX complaint against TransUnion for systematic FCRA violations over XXXX  months. TransUnion is now using a new tactic to avoid FCRA compliance : marking complaints as " duplicate '' to avoid investigation requirements. 
SYSTEMATIC PATTERN OF VIOLATIONS : TransUnion has violated FCRA with EVERY complaint I have filed : ComplaintFiledResponseDaysDays LateResultXXXXInadequate, no correctionXXXXInadequate, no correctionXXXXInadequate, no correctionXXXXInadequate, no correctionXXXXInadequate, no correctionXXXXInadequate, no correctionXXXXMarked " Duplicate '' XXXXNo response at allXXXX [ Today ] PendingTBDTBDTBD AVERAGE DELAY ( Complaints XXXX ) : XXXX  days ( XXXX   days late ) Complaint # XXXX : Marked " duplicate '' on day XXXX - NO RESPONSE PROVIDED THE CURRENT VIOLATIONS : XXXX. TIMELINE VIOLATION - COMPLAINT # XXXX ( XX/XX/XXXX ) : My complaint filed XX/XX/XXXX should have received response by XX/XX/XXXX ( XXXX  days ). 
Instead, TransUnion : Took no action for XXXX days Marked it " duplicate '' on XX/XX/XXXX Provided XXXX investigation Provided XXXX response Now XXXX days late ( as of [ today 's date ] ) This violates 15 U.S.C . 1681i ( a ) ( 1 ) ( A ) which requires investigation " before the end of the XXXX period. '' There is NO " duplicate '' exception in FCRA. Each dispute requires investigation within 30 days. 

XXXX. SUBSTANTIVE VIOLATIONS- ALL XXXX ACCOUNTS : TransUnion continues reporting XXXX accounts showing {$91000.00} as " past due '' on charged-off or collection accounts, which is legally impossible : Account Balance Past Due Status Violation XXXX XXXX XXXX XXXXXXXX {$17000.00} $ XXXX Off Past due on charged-off XXXX # XXXX XXXX {$6000.00} $ XXXXCharged Off Past due on charged-off XXXX # XXXX XXXX {$860.00} $ XXXXCharged Off Past due on charged-off XXXX # XXXX XXXX {$6100.00} $ XXXXCharged Off Past due on charged-off XXXX ( XXXX ) {$3100.00} $ XXXXCharged Off Past due on charged-off XXXX {$11000.00} $ XXXXCharged Off Past due on charged-offJPMCB {$7100.00} $ XXXX Off Past XXXX on charged-offLendmark {$6500.00} $ XXXXCharged Off Past due on charged-offNIHFCU {$5100.00} $ XXXXCharged Off Past due on charged-offOpportunity {$29000.00} $ XXXXCharged Off Past due on charged-offLVNV {$11000.00} $ XXXXCollectionPast due on collection " Past due '' means scheduled payments are overdue. Charged-off accounts have NO scheduled payments. Therefore, nothing can be " past due. '' This is Credit Reporting 101. 

XXXX. XXXX  DELETED XXXX OF THESE SAME ACCOUNTS- PROVES TRANSUNION IS WRONG : CRITICAL EVIDENCE : On XX/XX/XXXX, XXXX  investigated these same accounts and DELETED XXXX ACCOUNTS, including : XXXX XXXX accounts TransUnion still reports XXXX XXXX TransUnion still reports XXXX XXXX TransUnion still reports XXXX XXXX TransUnion still reports XXXX XXXX  ( not on TransUnion XXXX XXXX XXXX XXXX ( became XXXX  ) XXXX  's deletion letter stated : " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX  CREDIT FILE. '' This proves : An industry peer investigated and determined accounts inaccurate All three bureaus have access to same furnisher data Reasonable investigation reveals these accounts should be deleted TransUnion 's " verification as accurate '' is wrong My XX/XX/XXXX complaint specifically cited XXXX 's deletions. TransUnion marked it " duplicate '' rather than address this evidence. 

XXXX. WILLFUL VIOLATIONS AFTER REPEATED NOTICE : TransUnion has been notified of these violations XXXX  times over XXXX  months : Each complaint cited specific FCRA violations Each complaint documented " past due on charged-off '' impossibility Each complaint cited XXXX  deletions ( after XX/XX/XXXX ) Each response was late Each response was inadequate XXXX corrections made After XXXX complaints with no correction, continued reporting = willful violation under 15 U.S.C. 1681n. 

XXXX. RE-AGING VIOLATIONS : All accounts show balance updates as recent as XXXX XXXX despite charge-offs dating back to XXXX : Makes XXXX charge-offs appear as recent activity Artificially extends negative impact Violates prohibition on re-aging debt TRANSUNION 'S " DUPLICATE '' TACTIC : By marking my XX/XX/XXXX complaint as " duplicate, '' TransUnion : Avoided the XXXX investigation deadline Avoided providing any response Avoided addressing XXXX deletion evidence Continued reporting false information Committed another FCRA violation ( failure to investigate ) This appears to be a strategy to : Indefinitely delay addressing violations Claim " we already investigated '' without investigating new information Avoid accountability for continued violations Discourage consumers from filing repeated complaints FCRA does NOT allow bureaus to ignore disputes by calling them " duplicates. '' 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires investigation of EACH dispute within XXXX  days, regardless of previous disputes.

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