Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion has failed to properly investigate, verify, or validate ANY of the following accounts, even though I have been disputing them for well over XXXX months : Late Payments ( Unverified ) : XXXX XXXX  Acct # XXXX {$28.00} Late Payment XXXXXXXX XXXX Acct # XXXX {$150.00} Late Payment Charge-Offs ( Unverified ) : XXXX XXXX Acct # XXXX {$6100.00} Charge-off XXXX  Acct # XXXX {$220.00} Charge-off XXXXXXXX XXXX XXXXXXXX Acct # XXXX {$920.00} XXXXXXXX XXXX  Acct # XXXX {$120.00} Charge-off Inquiries ( Unverified ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> For over 90 days, I have received no verification whatsoever, but I HAVE received TransUnions same recycled stall letters claiming Im working with a third party . That is not verification under the FCRA, and it does not stop or restart the investigation clock. The law is very clear : once a dispute is submitted, TransUnion has 30 days to obtain proper verification ; and because I give you 45 days between dispute cycles, this gives TransUnion MORE than enough time to do its job. 
Instead of verifying the information, TransUnion keeps sending me these fraud/third-party accusations, which have NOTHING to do with the dispute. I never claimed identity theft. I never authorized a third party. You are using stall tactics to avoid reinvestigating the accounts the same conduct that TransUnion has already been sued for multiple times by the CFPB and private consumers. 
TransUnion is legally required to obtain from the furnisher : The actual due date The date the payment was received The date the payment was posted The complete payment ledger Billing cycle records DOFD ( Date of First Delinquency ) Metro

-2 compliant payment coding ( never provided ) You provided none of this. Reporting a late payment without proof violates : FCRA 1681e ( b ) failure to ensure accuracy FCRA 1681i ( a ) failure to reinvestigate FCRA 1681s-2 ( b ) failure to verify disputed information Metro-2 standards incomplete factual data To legally verify a charge-off, TransUnion must obtain from the furnisher : The original signed contract Full payment history Itemized charge-off calculation Balance breakdown ( principal, interest, fees ) DOFD Proof of ownership/assignment if transferred Metro-2 verification of all reporting fields I have not received one page of any of these documents.

Instead, TransUnion sent me copies of my own credit report, which is NOT verification under the law.

This violates : FCRA 1681i ( a ) failure to reinvestigate FCRA 1681e ( b ) inaccurate furnishing FCRA 1681s-2 ( b ) failure to verify FDCPA 1692e false representation ( for collection accounts ) Metro-2 failure to maintain factual accuracy TransUnion has a long history of : Sending fake third-party letters Refusing to reinvestigate Using automated systems instead of actual review Blocking disputes without evidence Violating FCRA 1681g and 1681h identity requirements Ignoring deadlines These behaviors are documented in multiple lawsuits and federal actions, and TransUnion has already been fined for willful noncompliance. 
Your pattern is repeating here.

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