Consumer complaint received 2025-12-26 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 against TransUnion LLC for a continued and willful pattern of noncompliance with the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and federally mandated reinvestigation procedures, despite TransUnions well-documented history of data breaches, CFPB enforcement actions, and lawsuits related to deceptive dispute handling, failure to ensure maximum possible accuracy, and misuse of consumer data. TransUnion is fully aware of its statutory obligations and prior violations, yet continues to repeat the same unlawful practices by relying on automated systems and boilerplate responses instead of conducting lawful reinvestigations, while attempting to deflect responsibility by directing consumers to dispute online or implying that self-representation diminishes their rights, even though consumers today are significantly more informed and legally educated due to widespread public access to statutes, compliance manuals, and enforcement actions. 
For well over six months, TransUnion has been notified of inaccurate, duplicated, unauthorized, and unverifiable negative items on my credit file, including an XXXX XXXX account ending in XXXX reported as a late payment with a XXXX dollar balance, a XXXX XXXX account ending in XXXX reported as a late payment with a XXXX dollar balance, two separate XXXX  XXXX XXXX XXXX accounts reported as charge-offs in the amount of {$2800.00} under account numbers XXXX and XXXX which constitute impermissible duplicate reporting, and multiple unauthorized hard inquiries appearing under XXXX  XXXX dated XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, and XXXX XXXX XXXX  dated XX/XX/XXXX XXXX all of which TransUnion continues to report despite having no verified proof of accuracy, ownership, or permissible purpose. 
Under FCRA 611 and 623 and Metro 2 reporting standards, late payments require a complete and accurate payment history supported by actual business records, charge-offs require proof of a valid contractual obligation, accurate balances, and non-duplicative reporting, and hard inquiries require a lawful permissible purpose under FCRA 604 supported by consumer authorization, yet TransUnion has failed to produce a single contract, payment history, billing statement, certification of permissible purpose, or furnisher documentation for any of the accounts or inquiries listed above. Additionally, I personally placed a credit freeze on my credit file, and any additional freezes applied by TransUnion without my authorization must be removed immediately, as the presence of unauthorized inquiries and unverified tradelines clearly indicates potential identity theft and triggers TransUnions heightened obligations under FCRA 605B, obligations which TransUnion has ignored. 
I have repeatedly requested lawful reinvestigation results and documentary proof validating the accuracy and legality of the items listed above, and TransUnion has failed to provide any such documentation for more than six months. 
I am demanding that TransUnion immediately delete all unverifiable late payments, duplicated and unsubstantiated charge-offs, and unauthorized hard inquiries identified above, remove any unauthorized freezes placed by TransUnion, cease the use of automated dispute responses that fail to meet federal reinvestigation standards, and provide written confirmation that my credit file has been corrected to reflect maximum possible accuracy as required by law, because TransUnions continued reporting of these items after repeated notice constitutes willful noncompliance with the FCRA, causes ongoing financial and reputational harm, and warrants corrective action and enforcement oversight by the Consumer Financial Protection Bureau .

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