Consumer complaint received 2025-03-15 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion and XXXX XXXX XXXX for Failure to Properly Investigate and Delete Unverified Accounts To Whom It May Concern, I am filing a formal complaint against TransUnion and XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) regarding the investigation and reporting of disputed debt on my credit report.

Details of the Complaint 1. Dispute with TransUnion & Failure to Verify ( FCRA Violation - 15 U.S.C. 1681i ( a ) ) I disputed multiple accounts reported by XXXX XXXX XXXX with TransUnion under my rights granted by the FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies ( CRAs ) to conduct a reasonable investigation. 
TransUnion was unable to verify the debt with XXXX XXXX XXXX but instead of removing the accounts as required, they merely marked them as closed. 
This is a direct violation of FCRA 1681i ( a ) ( 5 ) ( A ), which states that if an item can not be verified, the CRA must delete it from the credit report. 
XXXX. XXXX XXXX  XXXX  Failure to Provide Verification ( FCRA Violation - 15 U.S.C. 1681s-2 ( b ) ) LVNV Funding LLC, as a data furnisher, is obligated under FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ) to properly investigate disputes and provide verification. 
Since TransUnion was unable to verify the debt, this suggests that XXXX XXXX XXXX either failed to investigate or did not have proper documentation to support the validity of the account. 
Instead of removing the unverifiable accounts, XXXX XXXX XXXX had them closed, which misleads the credit reporting process and may still negatively impact my credit score.

Violations & Requested Resolution Violation of FCRA 1681i ( a ) ( 5 ) ( A ) : TransUnion failed to delete accounts they could not verify. 
Violation of FCRA 1681s-2 ( b ) : XXXX XXXX XXXX failed to provide proper verification of the accounts. 
Violation of FCRA 1681e ( b ) : TransUnion continues to report inaccurate information, despite being unable to verify it.

Requested Action by CFPB 1. Order TransUnion to delete all XXXX XXXX XXXX accounts from my credit report as they were not verified. 
XXXX. Investigate XXXX XXXX XXXX for improper credit reporting practices and failure to verify disputed debts. 
XXXX. Ensure compliance with the FCRA and enforce penalties for failing to adhere to federal consumer protection laws. 

I have attached screenshots of the credit report reflecting the closed accounts instead of deletions, along with copies of my dispute letters and TransUnions responses. 

I request that the CFPB take immediate action to ensure my consumer rights are upheld and that my credit report reflects only accurate and verifiable information. 

Please provide a response to this complaint as soon as possible.

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