Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
Subject : Response to TransUnions XX/XX/XXXX Letter Failure to Conduct a Reasonable Reinvestigation Reference : Complaint ID : XXXX Source Document : TransUnion letter dated XX/XX/XXXXXXXX XXXX XXXXXXXX To whom it may concern : I am responding to the XX/XX/XXXX letter provided by TransUnion, directed to XXXX XXXX, Office of the Attorney General, Commonwealth of Pennsylvania. 

After reviewing TransUnions response, it is clear that TransUnion did not perform a lawful, meaningful, or reasonable reinvestigation as required under : FCRA 611 ( a ) ( 1 ) ( A ) ( reasonable reinvestigation ) FCRA 611 ( a ) ( 6 ) ( required explanation of results ) FCRA 611 ( a ) ( 7 ) ( method of verification ) FCRA 607 ( b ) ( maximum possible accuracy ) TransUnions letter broadly claims that several accounts were Verified, Updated, Deleted, or remain in Active Dispute, but never explains HOW these determinations were made, what documentation was reviewed, or how TransUnion reconciled the numerous factual contradictions I submitted. 

XXXX. TransUnions response is a generic template and does NOT address the actual dispute TransUnion states : We have reviewed the complaint and initiated the investigation The accounts have been Deleted/ Verified/ Updated. 
( TransUnion XXXX, XX/XX/XXXX ) XXXX XXXXXXXX However, TransUnion fails to : Explain which documents were used Explain how verification occurred Address contradictory dates Address re-aging on multiple tradelines Address post-closure delinquencies Explain why other bureaus show different information Provide any MOV ( Method of Verification ) This violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

XXXX. TransUnion did not investigate any factual inaccuracies I raised My disputes concerned : Accounts reporting activity and delinquencies years after being closed Charge-offs listed years after the XXXX Re-aged negative information Conflicting reporting between XXXX XXXX and TransUnion Impossible payment histories Inconsistent closure dates Fabricated trended data spanning XXXX on closed accounts TransUnions letter does not address ANY of these errors. 

Their letter simply restates status labels ( verified, updated, deleted ) without addressing why. 

This is not a reinvestigation it is a refusal. 

XXXX. TransUnion continues to maintain data that violates the FCRA and XXXX XXXX Guidelines Some examples include : XXXX XXXX XXXXXXXX ( XXXX ) Reporting delinquencies in XXXX on an account CLOSED in XXXX Reporting a charge-off in XXXX on an account resolved in XXXX Reporting XXXX delinquency in XX/XX/XXXX, XXXX years after closure These are impossible. 

XXXX Re-aged delinquencies Activity showing years after account closure Conflicting data with XXXX XXXX XXXX and payments shown years after closure Contradictions between furnishers Unverifiable trended data High balance impossible to reach within same-day open/close XXXX XXXX XXXX XXXX XXXX inconsistent with closure dates Contradictory delinquencies Missing XXXX documentation TransUnion claims this was verified, but provides no documentation supporting these impossible reporting patterns. 

XXXX. Verified as Accurate without documentation violates FCRA 611 ( a ) ( 5 ) Under the law : If TransUnion can not prove the information is accurate, OR furnishers can not provide documentation, Then the information must be deleted, not updated. 

XXXX letter shows no evidence of any documents obtained just conclusory statements. 

XXXX. TransUnion is using the XXXX ( e-OSCAR ) system without actual human analysis The wording in the response : We contact the data furnisher We update our records with the information the creditor provides ( TransUnion XXXX, XX/XX/XXXX ) XXXX XXXXXXXX shows that TransUnion blindly accepted automated responses from furnishers without : Reviewing contradictory bureau data Comparing statements Evaluating logical impossibilities Requesting actual documentation This is not a reasonable reinvestigation as defined in FCRA 611 ( a ). 

Multiple federal courts have ruled that XXXX investigations violate the FCRA. 

XXXX. TransUnion failed to provide the required explanation under FCRA 611 ( a ) ( XXXX ) ( B ) The law requires TransUnion to : Explain what information changed Explain what evidence was used Explain why the data was verified Provide a description of the procedure used None of that was provided. 

REQUEST FOR CORRECTIVE ACTION I am requesting : A full Method of Verification XXXX XXXX XXXX, including : All documents used The data furnishers responses XXXX XXXX fields reviewed Who performed the reinvestigation How contradictory dates were reconciled How post-closure delinquencies were validated Deletion of all unverifiable, contradictory, or impossible information A supervised CFPB and Attorney Generaldirected reinvestigation Written confirmation of compliance SUMMARY TransUnions letter dated XX/XX/XXXX does not satisfy federal reinvestigation obligations and avoids addressing the specific FCRA violations that I identified. 
The accounts must be properly reinvestigated, corrected, or deleted. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 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