Consumer complaint received 2025-11-09 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: VA

Complaint narrative:
This complaint is in reference to a previously filed CFPB complaint ( XXXX ) concerning XXXX XXXX XXXX XXXX Account # XXXX * * ). 

Summary : TransUnion has failed to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ) despite my previous dispute and their formal response dated XX/XX/year>, which they closed with non-monetary relief. The account remains in Active Dispute status, indicating that it has not been verified as accurate and continues to appear on my credit report in violation of federal law. 

Details of Non-Compliance XXXX. Violation of FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy TransUnion continues to publish the XXXX Money account with contradictory, incomplete, and unverified data. 

Reporting an account as Active Dispute is an acknowledgment that it has not been fully verified or corrected, which fails the FCRAs maximum possible accuracy standard. 

The same account reflects inconsistent information compared with Equifax and Experian ( different high credit limits, dates of last activity, and payment history ), confirming the absence of accurate and consistent data maintenance. 

XXXX. Violation of FCRA 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation TransUnions response merely states that the matter was reviewed and closed without providing evidence that any reasonable reinvestigation was performed. 

No documentation or verification materials from the furnisher ( XXXX XXXX ) were provided. 

The FCRA requires that a consumer reporting agency conduct a substantive, documented reinvestigationnot simply contact the furnisher and accept their confirmation. 

XXXX. Violation of FCRA 1681i ( a ) ( 5 ) ( A ) Duty to Delete Unverifiable Information When a reinvestigation fails to fully verify information, the consumer reporting agency must delete the disputed data. 

Leaving the XXXX XXXX account as Active Dispute instead of deleting it demonstrates that TransUnion has admitted the information can not be fully verified, yet continues to report it. 

This is a direct violation of 1681i ( a ) ( 5 ) ( A ). 

XXXX. Violation of FCRA 602 ( a ) Failure to Uphold Fair and Reliable Reporting Standards Congress established that credit reporting must be fair, accurate, and impartial. 

By continuing to publish a disputed, inconsistent account under the active dispute label, TransUnion is undermining the integrity of the credit reporting system and damaging my creditworthiness. 

Requested Resolution I am formally requesting that the CFPB require TransUnion to delete the XXXX XXXX  account from my credit report in accordance with FCRA 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 5 ) ( A ). 

The account has been : flagged as disputed, subject to contradictory data across bureaus, inadequately reinvestigated, and maintained in my file despite being unverifiable. 

This ongoing publication of inaccurate information constitutes willful and negligent noncompliance under FCRA 616617, for which statutory damages may be pursued if unresolved.

Requested Action by CFPB : Direct TransUnion to immediately delete the XXXX XXXX account. 

Confirm written notice of deletion to me within XXXX business days. 

Review XXXX investigation procedures for compliance with FCRA 1681i.

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