Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
Im beyond EXHAUSTED AND FRUSTRATED. Ive been fighting to get these FRAUDULENT ACCOUNTSXXXX XXXX  ( # XXXX ) and XXXX XXXX ( # XXXX ) removed from my TRANSUNION credit report for nearly TWO YEARS. I began disputing these in 2023, submitted a POLICE REPORT on XX/XX/XXXX, and provided EVERY DOCUMENT REQUESTED, the same ones that led XXXX, XXXX, and XXXX to DELETE the accounts properly. I also attached my Experian report to show that neither XXXX XXXX nor XXXX XXXX appears on that reportfurther proving these accounts are fraudulent and were rightfully removed by other bureaus. But TransUnion? Theyve responded over and over with the same lazy and dismissive phrase : VERIFIED AS ACCURATE.

Verified by WHO? With WHAT evidence? They've produced absolutely ZERO PROOF that these accounts are mine. This is not a simple oversightits a blatant VIOLATION OF FEDERAL LAW. Under 15 U.S.C. 1681i ( a ), you're required to conduct a reasonable reinvestigation. What you're doing is nothing but rubber-stamping responses based on E-OSCAR automation, not meaningful review. The court in Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) made it clear : CRAs must do more than pass disputes to furnishersthey must reinvestigate properly. You've also violated : ( 1 ) 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy, ( 2 ) 15 U.S.C. 1681b by continuing to report without permissible purpose, ( 3 ) 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance, ( 4 ) and Section 623 of the FCRA, amounting to defamation and willful injury to my financial reputation. Further, the FTC opinion letter by XXXX confirms CRAs can not continue reporting data that hasnt been properly verified. In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court reaffirmed that once a CRA is notified of inaccuracies, it must reinvestigate or face liability for continuing to report false data. TransUnion has failed to provide any lawful debt validation as required by Section 809 ( b ) of the FDCPA. Every time I check my report, hoping TransUnion finally did the right thing, Im hit with the same unresolved mess. Its damaging me emotionally, financially, and legally. This pattern of stall tactics, bad faith, and willful neglect is unacceptable. Do you think I'm stupid? Who doesn't know their rights? IM TIRED. IVE DONE EVERYTHING LEGALLY REQUIRED. NOW ITS YOUR TURN. 
REMOVE THESE ACCOUNTS IMMEDIATELY. SEND ME WRITTEN CONFIRMATION. I am asking the CFPB to step in and hold them accountable for these repeated and willful violations. I want these fraudulent accounts permanently deleted from my credit file, and I request a full investigation into TransUnions handling of my disputes.

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