Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
FORMAL CFPB COMPLAINT FCRA VIOLATIONS, FALSE OWNERSHIP VERIFICATION, AND OBSTRUCTION OF DISPUTE RIGHTS I AM FILING THIS COMPLAINT AGAINST TRANSUNION LLC AND XXXX XXXX. 

I am a consumer and the subject of two TransUnion reinvestigation results dated XX/XX/XXXX, File Numbers XXXX and XXXX, concerning CREDIT FIRST account ending # XXXX. 

TransUnion has issued XXXX written determinations stating that this account was VERIFIED AS ACCURATE and, more egregiously, VERIFIED AS BELONGING TO YOU. These determinations are false, unsupported, and legally defective. 

TRANSUNION HAS MADE AN AFFIRMATIVE OWNERSHIP DETERMINATION WITHOUT PRODUCING OR POSSESSING COMPETENT EVIDENCE. Neither TransUnion nor XXXX XXXX has produced an application, contract, signature, identity authentication, device verification, or proof of benefit establishing that I lawfully opened or authorized this account. 

Instead, TransUnion relied exclusively on status coding and bankruptcy notation, which DOES NOT ESTABLISH OWNERSHIP OR AUTHORIZATION AS A MATTER OF LAW. 

This violates, at minimum : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Furnisher failure to conduct a lawful investigation after notice of dispute TransUnions own records further admit that the dispute remains unresolved by stating DISP INVG COMP CONSUM DISAGRS, while simultaneously declaring the account verified as belonging to me. This internal contradiction demonstrates automation and data recycling, not a lawful investigation. 

THE TIMELINE PROVES THIS WAS NOT A REAL INVESTIGATION : Last payment allegedly made : XX/XX/XXXX Account closed : XX/XX/XXXX Last furnisher update : XX/XX/XXXX Verification issued : XX/XX/XXXX This is a five-year-old data re-confirmation, not an investigation. 

Additionally, when I attempted to challenge this false ownership determination through the TransUnion dispute portal, I WAS BLOCKED FROM FILING A NEW DISPUTE because TransUnions system shows an open request. This effectively denies me access to the statutory dispute process while TransUnion continues to publish and defend disputed information. 

This constitutes procedural obstruction and compounds the underlying FCRA violations. 

CREDIT FIRST HAS ALSO FAILED ITS LEGAL DUTIES by continuing to furnish and verify information without possessing or providing proof that the account belongs to me, despite repeated disputes and notice. 

RESOLUTION DEMANDED : 1. Immediate deletion of the XXXX XXXX tradeline ending # XXXX from all TransUnion consumer reports XXXX. Written confirmation that TransUnion has ceased reporting this account XXXX. Written confirmation of the actual evidence ( if any ) relied upon to claim ownership XXXX. CFPB supervisory review of TransUnions reinvestigation and dispute-blocking practices 5. Corrective action against XXXX XXXX for furnishing unverified ownership information I am attaching TransUnions written investigation results and portal screenshots as evidence. These documents speak for themselves. 

This complaint is submitted in good faith and with full intent to pursue all available legal remedies should these violations continue.

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