Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a formal complaint against TransUnion LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ) related to multiple disputes I submitted regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On multiple occasions, including my most recent dispute sent XX/XX/, TransUnion has failed to conduct a reasonable reinvestigation, failed to obtain proper verification, and failed to provide the required Method of Verification, despite my written requests. 

I have sent all disputes by USPS Certified Mail, including copies of my ID and proof of address, and TransUnion has signed for every letter.

1. TransUnion Used Stall Tactics Instead of Investigating TransUnion repeatedly sends me form letters stating : We were unable to process your request.

The information has previously been verified. 
Contact the furnisher directly. 

These responses do not satisfy FCRA 611 ( a ) and seem designed to avoid performing a proper reinvestigation.

I submitted clear, detailed disputes, yet TransUnion sent back generic letters, some even stating they could not process my mailed request while still reporting the disputed accounts. 

This is a clear violation of : FCRA 611 ( a ) ( 1 ) ( A ) Duty to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 2 ) Duty to forward all information to the furnisher FCRA 611 ( a ) ( 6 ) Duty to provide results FCRA 611 ( a ) ( 7 ) Duty to provide a description of the Method of Verification 2. TransUnion Refuses to Provide a Required Method of Verification I specifically requested a Method of Verification ( MOV ) for each disputed account multiple times, in writing.

TransUnion still refuses to tell me : WHO at the creditor they contacted HOW they verified the information WHAT documentation was used WHEN the verification occurred Instead, they simply state : The data furnisher previously verified the information. 

This is not compliant with : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) FCRA 611 ( a ) ( 7 ) FCRA 1681e ( b ) ( maximum possible accuracy standard ) This denies me the legal right to understand how TransUnion verified whether the accounts are accurate.

3. Accounts Appear to Be Verified Without Investigation TransUnion continues to report multiple accounts ( including late payments and historical trended data ) even though : The creditor has not provided documentation TransUnion has not supplied proof My certified-mail disputes appear to be ignored or minimized The reporting contains inconsistencies, including conflicting dates, duplicated late payments, unverifiable debt, and accounts that may not belong to me. 

The repeated verified as accurate responseswithout documentary proofstrongly suggests TransUnion is auto-verifying without proper investigation. 

This violates : FCRA 611 ( a ) Reasonable reinvestigation FCRA 1681i ( a ) ( 4 ) Review and consider all relevant documentation FCRA 1681e ( b ) Obligation to assure maximum possible accuracy 4. TransUnion Is Continuing to Report Information It Can not Verify My dispute letter dated XX/XX/2025 explicitly stated : If you are unable to verify the information with proper documentation from the original creditor or data furnisher, please remove the account ( s ) from my credit report in accordance with the FCRA. 

TransUnion has not produced documentation from : XXXX XXXX XXXX XXXX XXXX XXXX Yet they continue to report the accounts. 

If TransUnion can not produce documentation, then under FCRA 1681i & 1681e ( b ) these items must be deleted.

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