Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
COMPLAINT NARRATIVE : I am filing this complaint against all three major credit reporting agencies- TransUnion, Experian, and Equifax - for multiple violations of the Fair Credit Reporting Act ( FCRA ) in their handling of my credit dispute submitted on XX/XX/year>. 

BACKGROUND : On XX/XX/year>, I sent notarized dispute letters via certified mail to all three credit bureaus disputing inaccurate accounts on my credit reports. I specifically demanded manual investigations by human beings and explicitly rejected the use of automated systems such as E-Oscar. I provided all required identification documents. 

REMARKABLE SUCCESS PROVES DISPUTES HAD MERIT : The credit bureaus ' own actions prove my disputes were valid : Credit scores improved dramatically from poor/fair to Good range ( XXXX Equifax, XXXX TransUnion/Experian ) XXXX account completely removed from Equifax XXXX hard inquiry removed from all three bureaus Account statuses upgraded from negative to " Pays as Agreed '' This success demonstrates that my original disputes identified legitimate inaccuracies that required correction. 

FCRA VIOLATIONS BY EACH BUREAU : TRANSUNION VIOLATIONS : 1. INADEQUATE INVESTIGATION ( 15 U.S.C. 1681i ( a ) ) Despite explicit rejection of automated systems, TransUnion clearly used E-Oscar or similar automated processing. Their investigation failed to address specific inaccuracies I identified.

2. CONTINUED INACCURATE REPORTING ( 15 U.S.C. 1681e ( b ) ) XXXX XXXX XXXX account ( {$21000.00} balance ) - Still reporting despite dispute XXXX XXXX  account ( {$2900.00} balance ) - Still reporting as closed despite dispute 3. SELECTIVE COMPLIANCE TransUnion successfully removed the XXXX inquiry but failed to investigate accounts with the same thoroughness, suggesting arbitrary decision-making rather than proper investigation. 

EXPERIAN VIOLATIONS : 1. INADEQUATE INVESTIGATION ( 15 U.S.C. 1681i ( a ) ) Experian failed to conduct proper manual investigation despite explicit demands for human review. 

2. CONTINUED INACCURATE REPORTING ( 15 U.S.C. 1681e ( b ) ) XXXX  XXXX XXXX account ( {$21000.00} balance ) - Still reporting despite dispute XXXX XXXX  account ( {$2900.00} balance ) - Still reporting despite dispute XXXXXXXX XXXX XXXX account XXXX Still reporting despite dispute 3. INCONSISTENT STANDARDS Experian successfully removed the XXXX inquiry but failed to apply the same investigation standards to disputed accounts. 

EQUIFAX VIOLATIONS : 1. SELECTIVE COMPLIANCE ( 15 U.S.C. 1681i ( a ) ) Equifax demonstrates the most egregious violation through selective compliance : Successfully removed XXXXXXXX XXXX XXXX  account entirely Successfully removed XXXX hard inquiry Failed to remove XXXX  XXXX XXXX account despite using identical dispute language 2. INCONSISTENT INVESTIGATION STANDARDS Equifax 's own actions prove they can remove disputed accounts when they choose to investigate properly. Their failure to remove the XXXX  XXXX XXXX account while removing the XXXX account demonstrates arbitrary and inconsistent application of investigation standards. 

3. CONTINUED INACCURATE REPORTING ( 15 U.S.C. 1681e ( b ) ) XXXX XXXX XXXXXXXX account ( {$21000.00} balance ) - Still reporting with " dispute resolved by data furnisher '' comment, indicating they acknowledged the dispute but failed to investigate properly PATTERN OF SYSTEMATIC VIOLATIONS : Automated System Use Despite Explicit Rejection : All three bureaus appear to have used automated systems ( E-Oscar ) despite my explicit written rejection of such systems in my XX/XX/year> dispute letters. 

Selective Compliance Across All Bureaus : The pattern of removing some disputed items while retaining others suggests systematic use of automated decision-making rather than proper human investigation. 

Furnisher Responsibility Violations ( 15 U.S.C. 1681s-2 ) : The bureaus failed to properly investigate accounts with data furnishers, as evidenced by continued reporting of disputed information. 

SPECIFIC HARM : 1. Credit Score Impact : Despite dramatic improvements, remaining inaccurate accounts continue to negatively impact my credit scores 2. Inconsistent Reporting : Same accounts report differently across bureaus, creating confusion and potential credit denials 3. Violation of Consumer Rights : My explicit requests for manual investigation were ignored by all three bureaus 4. Time and Effort : I have spent significant time and resources attempting to correct these inaccuracies 5. Emotional Distress : The stress of dealing with systematic FCRA violations by all three major credit bureaus EVIDENCE OF VIOLATIONS : XXXX XXXX XXXXXXXX account still reporting on all three bureaus despite disputes XXXX XXXX  account still reporting on TransUnion and Experian Inconsistent reporting of same accounts across bureaus LEGAL CITATIONS : 15 U.S.C. 1681i ( a ) - Procedure in case of disputed accuracy 15 U.S.C. 1681i ( a ) ( 7 ) - Method of verification requirements 15 U.S.C. 1681e ( b ) - Reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681n - Civil liability for willful noncompliance 15 U.S.C. 1681s-2 - Responsibilities of furnishers of information URGENCY AND PUBLIC INTEREST : This complaint represents systematic FCRA violations by all three major credit reporting agencies that control the credit information of virtually all American consumers. The pattern of : 1. Automated system use despite explicit consumer rejection 2. Selective compliance based on arbitrary criteria 3. Inconsistent investigation standards across identical disputes ... suggests institutional non-compliance that affects millions of consumers and requires comprehensive federal regulatory intervention. 

The fact that these bureaus can successfully remove disputed items when they choose to ( as evidenced by the XXXX and XXXX removals ) but selectively refuse to remove others demonstrates willful violations that warrant the strongest possible enforcement action. 

Note : This complaint demonstrates systematic FCRA violations by the entire credit reporting industry and may warrant referral to the Federal Trade Commission and Congressional oversight committees for comprehensive regulatory reform.

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