Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXXThis is a supplemental complaint in reference to the following CFPB complaint ID 's : XXXX ( closed ), XXXX ( open ), XXXX ( open ), XXXX ( open ), and XXXX ( open ) >TransUnion has fabricated credit disputes in my name that I did not submit, altered the dispute record, deleted an entire dispute entry ( XX/XX/year> ), issued a verification result for a dispute that does not exist in the portal, and delivered this hidden verification only through encrypted email. This behavior constitutes falsification of dispute records, reinvestigation without consumer authorization, tampering with the audit trail, and system integrity violations under the FCRA. This is an update showing TransUnion and the Furnisher has not only verified the XX/XX/XXXX dispute, even though there is a court order invalidating it, but they have also deleted that fabricated dispute. 
>Full Description of the Issue : >>Here is the timeline with dates taken directly from TransUnions own portal and investigation documents : XXXX. TransUnion created a dispute dated XX/XX/year> I did NOT submit this. 
>>This dispute appeared previously in my portal as of XX/XX/year> after they falsely claimed an open dispute was active on XX/XX/year> in CFPB complaint ID # XXXX. At the time of the answer, on XX/XX/XXXX, there was no active dispute, and the last dispute I opened was on XX/XX/year> and it was to update my consumer statement on my TransUnion account. That statement says : " AS OF XX/XX/year>, LITIGATION BETWEEN MYSELF AND XXXX XXXX XXXX HAS CONCLUDED. I PREVAILED WHILE REPRESENTING MYSELF PRO XXXX. THE XXXX TRADELINE REMAINS THE SUBJECT OF MULTIPLE CFPB COMPLAINTS INVOLVING BOTH XXXX XXXX XXXX AND TRANSUNION. DESPITE XXXX DISPUTES THAT INCLUDED A COURT ORDER INVALIDATING THE DEBT, THE TRADELINE CONTINUES TO BE VERIFIED THROUGH WHAT APPEARS TO BE AN AUTOMATED SYSTEM THAT FAVORS FURNISHERS AND HARMS CONSUMERS CREDIT STANDING. XXXX OF THOSE DIPUTES, SUBMITTED XX/XX/XXXX, WAS AUTOMATICALLY CLOSED IMMEDIATLY AFTER I SUBMITTED IT, FURTHER PROVING THE AUTOMATED PROCESS. ALL RELATED ACTIVITY IS BEING DOCUMENTED FOR SUBMISSION TO THE CFPB, THE FTC, AND MY STATE ATTORNEY GENERAL.I WOULD ALSO LIKE TO ADD THAT, ON XX/XX/XXXX, AT ROUGHLY XXXX XXXX, I RECORDED A CALL WITH A TRANSUNION REP. REGARDING MY DISPUTE RESULTS, SHE STATED THAT INVESTIGATIONS ARE NO LONGER IN THIER SCOPE AND THAT I NEED TO CONTACT THE FURNISHER. THIS IS IN VIOLATION OF 611A AND 15 U.S.C. 1681I. '' >>TransUnion has now completely scrubbed the XX/XX/XXXX dispute entry from the Previous Disputes and " active disputes '' lists. 
>>I have screenshots showing that the dispute used to exist, and now the record has been erased. 
>>The result of this apparent investigation was : TransUnion issued a verification result on XX/XX/year>, showing a Date Updated of XX/XX/year> but there is NO corresponding dispute in the system. 
XXXX XXXX result says : VERIFIED AS ACCURATE ; Date Updated : XX/XX/year> However : There is no active dispute in the portal. 
There is no matching dispute entry dated XX/XX/XXXX or XX/XX/XXXX. 
The XX/XX/XXXX dispute that would have triggered this update has been deleted from the timeline. 
>>TransUnion conducted and completed a reinvestigation that has no originating dispute request visible to the consumer. 
TransUnion delivered this hidden investigation result ONLY via encrypted email. 
>>The result was NOT : posted in the consumer portal, mailed to me, or listed with a View Results link under any dispute. 
>>This selective delivery prevents consumers from seeing the audit trail or verifying the legitimacy of the investigation. >Attachment 1 - The fabricated XX/XX/XXXX dispute showing " in process '' on my TransUnion portal. 
XXXX XXXX - The encrypted email with the apparent results. 
>Attachemnt XXXX - The results of the fabricated dispute investigation. ( Verified ) >Attachment XXXX - The current screenshot of the completed disputes with metadata of the screenshot. 

XXXX. TransUnion also created a dispute dated XX/XX/year> I did NOT submit this either. 
>>This fabricated dispute still appears on the portal. 
>>I never submitted it. The result of that investigation shows to have concluded with the tradeline, involving XXXX and XXXX XXXX, being verified, yet again. 
>>This dispute was also submitted and closed while another active dispute, fabricated by TransUnion on XX/XX/XXXX, was still in progress. This is entirely impossible for a consumer to do being that once a dispute is opened, the credit file is basically locked. A consumer can not have XXXX disputes open at the same time. 
>Attachment XXXX - The fabricated XX/XX/XXXX dispute results ( verified ). 
>Attachment XXXX - The tradeline showing updated on XX/XX/XXXX. 
XXXX. This raises major compliance issues : XXXX> FCRA 611 ( a ) ( 1 ) No reinvestigation can begin without a consumer-initiated request. 
TransUnion initiated multiple disputes that I never made. 
XXXX FCRA 611 ( a ) ( 6 ) They failed to provide a proper written notice of results within the portal or mail. 
XXXX FCRA 611 ( a ) ( 5 ) ( B ) The XX/XX/XXXX dispute was deleted from my record, removing the required audit history. 
XXXX FCRA 607 ( b ) Failure to maintain procedures ensuring accurate reporting and dispute integrity. 
XXXX FCRA 616 / 617 Willful or negligent noncompliance due to deliberate alteration of dispute records. 
>This is not a normal dispute issue this is fabrication and audit trail tampering. 
XXXXTransUnion : >>created disputes I did not submit >>sent ACDVs to furnishers under my identity >>deleted a dispute record entirely >>completed a reinvestigation with NO corresponding dispute >>delivered results outside the consumer portal >>manipulated the timeline of investigations >This is a breakdown of TransUnions dispute-handling system and raises significant consumer-protection concerns. 
>I have informed TransUnion and XXXXXXXX XXXX  of the court order multiple times through the internal dispute process and through previous CFPB complaints. I believe the fabricated disputes, and the deletion of the XX/XX/XXXX dispute, were created to obscure their negligence and avoid liability for failing to comply with that order.

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