Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for their continued reporting of a fraudulent and unverifiable account from XXXX XXXX, which XXXX has already removed after confirming it could not be verified. It is not only unreasonable but also legally questionable for TransUnion to claim that this same account is somehow verifiable when the original furnisher has yet to provide any legally sufficient documentation, and another major bureau has already confirmed it should not exist on my credit report.

Let me be very clear : there is no possible way this debt could have been verified, because no such debt exists. I do not owe XXXX XXXX. In fact, if anything, they owe mefor the damage caused by their false reporting as well as for not returning my security deposit and for TransUnions continued negligence in handling my disputes. Ive been disputing this account for over a year, and yet TransUnion continues to pull the same sham investigations and stalling tactics, delaying responses until the last possible day, only to mark the account as verified again, without explanation or evidence uploaded to the CFPB portal. This is not a reinvestigation under the lawits a bad-faith attempt to sidestep accountability.

Per the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation when a consumer disputes an account. There is nothing reasonable about re-verifying an account without proof and despite XXXX removing it. 
15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy. One bureau has reached opposite conclusionsso accuracy clearly isnt being ensured.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) requires all relevant information to be passed to the furnisher during an investigation. If that were truly done, TransUnion wouldve received the same lack of proof that I did.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires that all documentation used in the reinvestigation be provided to the consumer. I have not received a single legally binding documentonly a move-out statement, which is woefully insufficient under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

I am no longer tolerating this. If TransUnion refuses to remove this account immediately or responds with yet another vague and dismissive verified status, I will be preparing to take full legal action. I will pursue civil penalties for violations of both the FCRA and FDCPA, including failure to conduct a reasonable investigation, negligent misreporting, and continued reporting of inaccurate and unverifiable information. for them to take 60 days and to avoid providing me with what I ask in this portal shows their complete negligence. It is not only unfair. Its unjust and I encourage the CFPB to look into Trans Unions investigation just like they did with XXXX XXXXXXXX XXXX needs to deleted permanently from my account and I have attached XXXX this response to my consumer financial protection bureau, so TransUnion please explain your negligence on why and how in the world did you verify this foolishness on my report and Im extremely passionate because I do not let me say it again do not owe this collection agency! Take a look at their reviews there are so many tenants that had a unfit unit that are battling the same exact thing. Im battling with receiving their security deposit back! All of this is retaliatory because of me filing a complaint with my local cities Code enforcement for my unit these apartments being advised by Code enforcement that they would be fine because they were having me in deplorable living conditions and me not renewing my! I would like to add I fully paid for movers to move my things out of this place not only did I pay movers and gave them almost 3 months notice that I would not dare renew my lease with them. They tried to report bogus items on the moveout statement that they genetically typed up that I didnt even own in that apartment. Ive been holding on to my video of me in that apartment office that shows the time I reported the move out statement to see if these investigations go legitimately and clearly they havent and thats why Im so prepared to sue with my final request for deletion! I also have documentation on where the movers went in the location to remove every item out of that apartment that was a left spotless! Please get it together because this is my very last time asking this to be removed before legal action is taken. This is absolutely ridiculous and I wish I could say more on this platform because I am so disgusted, but I have to remain professional get this off of my credit immediately! Dont mail me anything. Talk to me on the consumer financial protection bureaus platformif youre providing a legal and proper investigation just like XXXX did they acknowledged their incorrections and explained their full process please dont overlook the uploaded attachment that they deleted this foolishness off of my credit! Even if they did provide you with any documentation which I highly highly doubt because none exist Im telling you now they were forged and fraudulent and thats why Im so passionate! Ive been keeping this video in my back pocket because I already know what type of non-integrity having people I was dealing with when I decided not to stay in the unit! But there comes a time where enough is enough do the right thing and dont take 60 days after youve already taken almost 400 days of me battling this with you in particular Trans Union !

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