Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
CFPB Complaint Narrative TransUnion Case Context : Disputed Account : XXXX XXXX XXXX XXXX ( Charged-Off : {$23000.00} ) Arbitration Case # : XXXX XXXX XXXX : XX/XX/XXXX No response or arbitration fees paid by TransUnion Summary of Events : On XX/XX/XXXX, I submitted a formal arbitration case ( XXXX  Case # : XXXX ) against TransUnion for its continued reporting of a disputed and unverifiable tradeline from XXXX XXXX XXXX XXXX XXXX The alleged debt was previously disputed with all bureaus, and XXXX  only submitted evidence was an illegible contract, which was rejected by XXXX in a parallel case and not accepted by XXXX. 

Despite : Active arbitration proceedings Fraud block request ( File # : XXXX ) XXXX confirmations from XXXX that no tradeline exists TransUnion : Verified the XXXX XXXX as accurate without explanation ( XX/XX/XXXX ) Ignored arbitration ( XXXX XXXX violation : no fees paid, no response ) Failed to conduct a meaningful FCRA reinvestigation Continued reporting disputed information during arbitration Denied the fraud block improperly Violations : FCRA Violations : 1681i ( a ) : No reasonable reinvestigation, no verification details 1681c-2 : Improper rejection of valid fraud block request 1681e ( b ) : Reporting inaccurate and unverifiable information that harmed my credit and housing access Consent Order / Conciliation XXXX XXXX XXXX XXXX XXXX Consent Order ( XXXX ) : TransUnion was fined for misreporting housing-related data In my case, TransUnion again misreports data resulting in housing denial CFPB Consent Order on Freeze/Fraud Alerts ( XXXX ) : Fined for failing to honor fraud blocks My fraud block denial mirrors this pattern XXXX CFPB Lawsuit for Repeat Violations : TransUnion ignored prior orders again Their non-payment and silence in arbitration violates the CFPBs stated enforcement expectations TransUnion Terms of Service Violations : Failure to uphold fair dispute processes False claims of verification without documentation Failure to comply with arbitration and fraud block protocols promised in user agreements and public policy Civil Rights & Systemic Harm : As a XXXX, XXXX XXXX XXXX XXXX have suffered : Multiple housing denials directly caused by the XXXX XXXX Ongoing discrimination due to inaccurate data Economic exclusion, violating the Fair Housing Act, ECOA, and triggering 42 U.S.C. XXXX claims based on disparate impact Requested Resolution : 1. Immediate suppression and deletion of the XXXX tradeline 2. Written verification audit trail of how TransUnion verified the account 3. Reopening and approval of fraud block request 4. Investigation of arbitration noncompliance and referral to CFPB Enforcement 5. Civil penalties and corrective action for Terms of Use and consent order violations 6. Compensation or redress for housing denials and credit exclusion

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