Consumer complaint received 2025-07-06 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: WI

Complaint narrative:
XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX, and Others for Egregious Violations of the Fair Credit Reporting Act ( FCRA ), Wisconsin Consumer Act ( WCA ), Uniform Commercial Code ( UCC ), and the Fair Debt Collection Practices Act ( FDCPA ) I am submitting this formal complaint against TransUnion, XXXX XXXX XXXX XXXX, and associated parties for egregious violations of federal and state law, specifically the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Wisconsin Consumer Act ( WCA ), and Uniform Commercial Code ( UCC ). These violations are primarily related to the unlawful repossession of my vehicle and the unlawful reporting of inaccurate and unverified information on my consumer credit file, which have caused significant and ongoing harm and TransUnion , Inc. 's egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically related to their failure to conduct a lawful reinvestigation of my credit report, refusal to acknowledge identity verification documents, and their apparent negligence in ensuring the accuracy and completeness of the information in my consumer file. 

Summary of Facts : Background : On XX/XX/XXXX, I sent a Final Request for Reinvestigation and Notice of Intent to Sue to TransUnion, requesting the removal of a false and inaccurate account from my credit report, specifically the XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX ), which is falsely reporting a balance of {$9400.00}. I also included all required identity verification documents, including my name, date of birth, social security number, address, and other supporting documents to authenticate my identity. 

TransUnions Stall Letters : On XX/XX/XXXX, I received two ( 2 ) STALL LETTERS from TransUnion stating they were " unable to identify '' me and " could not locate a file for me, '' despite the fact that I provided comprehensive and valid identity verification documents in support of my dispute. TransUnions refusal to identify me and locate my file is not only improper but unlawful under both the FCRA and Wisconsin State Law.

Violations : TransUnion has failed to comply with Section 1681i of the FCRA, which mandates that a credit reporting agency conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information in their file. The actions of TransUnion, including the failure to reinvestigate in good faith, are willful violations of federal law.

FCRA Violations : Under 15 U.S.C. 1681i, TransUnion is required to reinvestigate any item in dispute within 30 days. Despite my timely submission of dispute documentation, TransUnion failed to conduct a lawful reinvestigation and, instead, issued stall letters with no reasonable basis for refusal.

Section 1681e ( b ) of the FCRA : TransUnion is required to maintain accurate information. By refusing to identify my file and reinvestigate the dispute, TransUnion is failing to adhere to the obligation to ensure the accuracy, fairness, and privacy of the information it reports.

Identity Theft Protection and Verification : TransUnions failure to properly verify my identity is contrary to federal law and creates undue harm and confusion. 15 U.S.C. 1681c-2 outlines procedures for consumers to protect themselves from identity theft, and FCRA 1681i requires that TransUnion treat the identity verification documents with the utmost priority and accuracy.

Egregious Nature of Violations : TransUnions actions in this matter are not merely a procedural oversight but a deliberate failure to adhere to both federal statutory law and consumer protection standards. The refusal to identify or verify my identity despite comprehensive documentation constitutes not only negligence but potentially fraudulent conduct designed to obstruct my rights under the FCRA. 

A. Unlawful Repossession of XXXX XXXX XXXX XXXX XXXX The repossession of my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, in or around XXXX XXXX by XXXX XXXXXXXX XXXX XXXX XXXX was executed unlawfully and in direct violation of multiple statutes under both Federal and Wisconsin state law.

Violation of Wisconsin Consumer Act ( WCA ) : Failure to Send Right to Cure Notice ( Wis. Stat. 425.104 ) : XXXX XXXX XXXX XXXX failed to provide the legally mandated Notice of Right to Cure prior to the repossession of my vehicle, thus rendering the repossession entirely unlawful. This violation of Wisconsin statutory law renders the repossession void from its inception.

Failure to Observe the 15-Day Waiting Period ( Wis. Stat. 425.105 & 425.206 ) : Due to the absence of the required notice, XXXX XXXX XXXX XXXX failed to observe the 15-day waiting period prior to repossession. This failure is a blatant violation of my rights under the WCA, and further invalidates the repossession.

Violation of Fair Debt Collection Practices Act ( FDCPA ) : Unauthorized Repossession ( 15 U.S.C. 1692f ( 6 ) ( A ) ) : By conducting a repossession without lawful authority, XXXX XXXX XXXX XXXX violated the FDCPA, as they took non-judicial action to dispossess my vehicle despite lacking a right to possess the vehicle due to the aforementioned WCA violations. The repossession was not only unauthorized, but also breached the peace under Wisconsin law.

B. Violation of Uniform Commercial Code ( UCC ) Failure to Send Post-Repossession Notices Following the unlawful repossession of my vehicle, XXXX XXXX XXXX XXXX failed to send the requisite post-repossession notices under the UCC ( Wis. Stat. Ch. 409 ), further compounding their violations : Failure to Send Notice of Intent to Sell ( Wis. Stat. 409.611, 409.613, 409.614, 409.616 ) : XXXX XXXX XXXX XXXX did not send the mandatory Notice of Intent to Sell, depriving me of the opportunity to challenge the disposition of my vehicle, redeem the vehicle, or ensure a commercially reasonable sale. 

Failure to Provide Redemption Rights or Sale Details : XXXX XXXX XXXX XXXX did not inform me of my right to redeem the vehicle nor provide any details about the planned sale ( e.g., date, time, or location ). This omission further violated my rights under the UCC and prevented me from asserting any rights regarding the disposition of the vehicle. 

C. Unauthorized and Unconscionable Debt Collection Despite the repossession being illegal, XXXX XXXX XXXX XXXX has continued its attempts to collect an alleged {$9400.00} deficiency balance and other charges. These efforts violate FDCPA Sections 1692f ( 1 ) and 1692e, as they constitute unconscionable and unauthorized collection attempts related to an invalid debt.

Violation of FDCPA ( 15 U.S.C. 1692f ( 1 ) and 1692e ) : The collection of a non-existent debt from the unlawful repossession and failure to adhere to required post-repossession procedures violates the FDCPA, as these actions constitute false, deceptive, and misleading representations in violation of 15 U.S.C. 1692e, as well as unconscionable collection practices under 15 U.S.C. 1692f. 

Failure to Respond to Request for Documents : On XX/XX/XXXX, I submitted a formal dispute letter requesting all documentation associated with the auto loan, repossession, and vehicle auction. XXXX XXXX XXXX XXXX refusal to comply with this request constitutes non-compliance with FDCPA 1692g, which requires that a debt collector provide proper validation of the debt when requested.

D. Systemic and Ongoing FCRA/FDCPA Violations There has been a systemic and ongoing failure by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and the Consumer Reporting Agencies ( CRAs ), specifically TransUnion, to properly investigate and resolve inaccuracies in my credit file. These inaccurate and misleading entries have persisted for over a year, despite my repeated disputes. 

Failure to Properly Investigate and Correct Inaccurate Reporting ( FCRA 1681i ) : XXXX XXXX XXXX XXXX and XXXX XXXX have continued to furnish inaccurate information to the CRAs, knowing or recklessly disregarding that the underlying debts are based on unlawful transactions. This constitutes a violation of 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681s-2 ( b ). 

TransUnions Failure to Investigate : Despite my XX/XX/XXXX dispute letter to TransUnion, which included irrefutable supporting documentation showing the unlawful repossession and inaccurate reporting, TransUnion has failed to conduct a proper reinvestigation as required by FCRA 1681i and has unlawfully reinserted previously deleted inaccurate information.

Failure to Mark Accounts as Disputed ( 15 U.S.C. 1681i ( a ) ( 3 ) ) : TransUnion and the other CRAs have repeatedly failed to mark the accounts in question as disputed on my credit report, violating 15 U.S.C. 1681i ( a ) ( 3 ). This omission deprives me of the protection afforded by law, enabling future creditors to view my credit file with a misleading and prejudicial status.

Unlawful Reinsertion and Failure to Delete Unverified Information : The CRAs actions of deleting and then re-reporting the same false and misleading informationwithout proper verificationconstitutes a violation of FCRA 1681i ( a ) ( 5 ), specifically regarding unlawful reinsertion and failure to delete unverifiable data.

E. Request for Immediate Action Given the egregious and persistent nature of these violations, I respectfully request that the CFPB take immediate action against TransUnion, XXXX XXXX XXXX XXXX, and associated parties for : Immediate Deletion of the inaccurate reporting related to the unlawful repossession and associated debt. 

Investigation and Correction of the inaccuracies under FCRA and FDCPA. 

Imposition of Civil Penalties for the violations of FDCPA and FCRA. 

Compensatory Damages for emotional distress, financial harm, and reputational damage caused by these unlawful practices. 

Case Law References : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) TransUnion 's conduct, in concert with XXXX XXXX XXXX XXXX 's antecedent and ongoing violations, is not merely an administrative oversight ; it is a calculated and malevolent effort to frustrate consumers ' rights under the FCRA, FDCPA, and WCA, and to maintain inaccurate, unlawfully derived data on credit reports. This systemic failure and perpetuation of false information inflict significant and demonstrable financial harm, reputational damage, and severe emotional distress. This egregious behavior necessitates the most severe and immediate intervention by the CFPB to ensure accountability, impose appropriate penalties, and compel strict adherence to federal and state consumer protection laws.

Attached is all correspondence, tracking numbers, and comprehensive documentation to substantiate these claims.

I trust that the CFPB will take the necessary steps to ensure that XXXX XXXX XXXX XXXX and the CRAs comply with the law and rectify this serious issue. 

Thank you for your prompt attention to this matter.

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