Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Follow-Up Dispute Verification Failure to Comply with FCRA and XXXX To Whom It May Concern, This is a formal complaint concerning your failure to properly investigate and remove inaccurate and inconsistent information from my credit report. Despite prior dispute efforts, the following account remains inaccurately reported across multiple credit bureaus : Account to Be Removed Immediately : * Account Name : XXXX * Account Number : XXXX * * * * * * * * * Balance : {$810.00} * Date Opened : XX/XX/XXXX * Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ) * Date Reported : XX/XX/XXXX ( TransUnion & Experian ), XX/XX/XXXX ( XXXX ) * Last Verified : XX/XX/XXXX ( TransUnion ) * Payment Status : XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Late XXXX Days ( XXXX ) XXXX Account Status : Closed ( TransUnion & XXXX ), Open ( XXXX ) XXXX Dispute Status : Not Disputed ( TransUnion & XXXX ), Disputed ( XXXX ) While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. Specifically : * Inconsistencies in reporting between the XXXX bureaus regarding account status, payment history, last activity date, and dispute indication. 
* Failure to remove or correct despite previous disputes. 
* Discrepant balance and account remarks not aligned with federal standards. 

Violations and Legal Failures Identified : Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ), credit reporting agencies are obligated to provide a description of the investigation within XXXX  days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( XXXX ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : XXXX. Inconsistencies : There are discrepancies among the XXXX credit bureaus regarding this account, including balance, status, dispute resolution, and payment history. 
XXXX. Verification Issues : According to Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account. 
XXXX. Consumer Rights : Under XXXX XXXX of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report. 
XXXX. Accuracy Compliance : Additionally, under XXXX XXXX XXXX XXXX ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per XXXX XXXX XXXX XXXX ( a ) ( XXXX ), I request that you delete any unverifiable information. 

Regulatory Violations Cited : XXXX. Failure to Investigate Accurately ( XXXX XXXX XXXX XXXX ) : No thorough investigation was provided within the XXXX timeframe. 
XXXX. Inadequate Compliance Procedures ( XXXX XXXX XXXX XXXX ( b ) ) : No demonstration of reasonable procedures to ensure accuracy. 
XXXX. Duties of Furnishers of Information ( XXXX XXXX XXXX XXXX ) : No rectification of disputed inaccuracies. 
XXXX. Transparency and Accuracy ( TILA, XXXX XXXX XXXX ) : Data presented is not transparent or verifiable. 
XXXX. XXXX XXXX XXXX, XXXX VI, XXXX XXXX : Failure to follow correct reinvestigation and removal procedures. 
XXXX. XXXX XXXX. XXXX ( XXXX ) : No description of the investigation process was provided. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ) : Failure to verify through physical signed documentation. 

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take immediate enforcement action against Transunion for failing to comply with FCRA and TILA. This is a direct violation of XXXX XXXX XXXX XXXXXXXX ( XXXX ) Removal of Inaccurate or Unvalidated Credit Information. 
Please remove this XXXX account from Transunion immediately. 
Thank you for your attention to this matter. I expect a full written resolution.

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 explanation