Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
CFPB Complaint Reinvestigation Request Against TransUnion LLC Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Respondent : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Nature of Complaint This complaint is submitted as a reinvestigation into an existing issue involving ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) and related federal laws by TransUnion LLC. Despite multiple CFPB complaints, TransUnion continues to mishandle disputes, refuse compliance with identity theft procedures under federal law, and has falsely verified fraudulent accounts as accurate. 
The following accounts remain inaccurately reported despite prior submission of my FTC Identity Theft Report, cease-and-desist notice, and proof of identity : - XXXXXXXX XXXX ( ending in XXXX ) - Department of Education / XXXX XXXX ( multiple accounts, open and closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Lead Bank Violations of Law FCRA 605B ( 15 U.S.C. 1681c2 ) : Identity Theft Blocking TransUnion failed to block and delete fraudulent information within four ( 4 ) business days after receiving my identity theft documentation.

FCRA 611 ( 15 U.S.C. 1681i ) : Failure to Reinvestigate TransUnion refuses to conduct a proper reinvestigation and closes disputes as 'verified as reported ' without proof or method of verification. 
FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to Ensure Maximum Possible Accuracy TransUnion continues to report inaccurate and unverifiable information in violation of federal law.

FCRA 623 ( a ) ( 1 ) ( A ) : Duties of Furnishers By continuing to accept false data from furnishers, TransUnion facilitates ongoing FCRA violations. 
FDCPA 807 ( 15 U.S.C. 1692e ) : False or Misleading Representations TransUnions continued publication of false data supports unlawful collection and reputational harm. 
ECOA, 15 U.S.C. 1691 ( d ) : Adverse Action Without Notice TransUnions negligent reporting caused credit denials without proper notice or verification.

Pattern of Misconduct TransUnion repeatedly evades its obligations by misclassifying disputes as 'litigation involved ' and mislabeling new disputes as 'duplicates. ' This pattern obstructs fair reinvestigation and violates both the letter and intent of the FCRA, constituting systemic discrimination against consumers who have previously exercised their legal rights. 
Harm Suffered Denial of housing and financial services Damage to credit reputation and emotional distress Loss of time, opportunity, and peace of mind Ongoing publication of false and stigmatizing data Requested Relief Immediate deletion of all fraudulent tradelines ( XXXX, XXXX, XXXX XXXX XXXX ). 
Provision of verification documents, including method of verification, data source, and furnisher logs under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Cease and desist from reporting or verifying any fraudulent information. 
Compensation for statutory and actual damages under FCRA 616617.

CFPB enforcement action and oversight into TransUnions dispute-handling procedures.

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