Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Date : XX/XX/XXXX Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SUPPLEMENTAL CFPB COMPLAINT TRANSUNION LLC & XXXX XXXX BANK Subject : FCRA Violations Willful Noncompliance, Fabricated Investigation, and Illegal Reporting of XXXX  XXXX and Collection Accounts To Whom It May Concern : This is a formal follow-up to CFPB Complaint # XXXX. I, XXXX XXXX, allege that TransUnion LLC and XXXX XXXX XXXX XXXXXXXX, XXXX. have engaged in ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) and consumer protection statutes. 

As of XX/XX/XXXX, I confirmed by phone that TransUnion never forwarded my dispute to the furnishers, never marked any account as disputed, and conducted no reinvestigation. These actions violate the core of consumer protection law and justify regulatory enforcement. 



1. FCRA 1681i ( a ) ( 2 ) ( A ) - ( B ) Failure to Forward My Dispute TransUnion received my dispute through the CFPB on XX/XX/XXXX. By law, they had 5 business days to forward it to XXXX XXXX and the debt collector. They did not. I confirmed this personally by calling TransUnion on XX/XX/XXXX, and was told none of the disputed accounts were flagged or under investigation. 

This omission violates federal law and reflects a systemic pattern of disregard for consumers. 



XXXX. XXXX XXXX False & Impossible Reporting XXXX XXXXXXXX reported the following : 90-day delinquencies without prior 30- or 60-day lates Multiple entries with no payment history sequence at all Dates of delinquency that conflict with payment records Incomplete balances and high credit limits that have shifted inconsistently This mathematically impossible reporting pattern is a known violation of FCRA 1681e ( b ) and has already led other creditors to remove similar items. 

These irregularities were fully included in my dispute, yet no corrections were made, and TransUnion did not forward the data to XXXX XXXX. 



3. FCRA 1681s-2 ( a ) ( 3 ) Accounts Not Flagged as Disputed Despite federal law requiring accounts to be marked as disputed, TransUnion failed to do so. This omission has misled third-party lenders and caused concrete harm to my creditworthiness, including denials for financing and higher interest offers. 



4. FCRA 1681i ( a ) ( 1 ) ( A ) No Reinvestigation Performed My complaint, which included detailed legal analysis, screenshots, and breakdowns of reporting inconsistencies, was entirely ignored. 

Instead of conducting a reasonable reinvestigation, TransUnion closed my dispute without forwarding it, flagging the accounts, or correcting a single detail. 

This sham process is not only unlawfulit mirrors past behavior that led the CFPB to issue a {$15.00} XXXX penalty against TransUnion in XXXX for deceptive dispute processing. 



5. Collection Account : XXXX XXXX XXXX XXXX  XXXX XXXX This collection was disputed as fraudulent and unvalidated, and I demanded proof of assignment, license, and contract. To date, TransUnion has : Not flagged the account as disputed Not provided any documentation Not removed the collection or placed it under review This violates FDCPA 807 and FCRA 1681i ( a ) ( 5 ).

6. Ongoing Harm and Federal Liability TransUnion and XXXX XXXX are now liable for : {$1000.00} per violation per month under FCRA 1681n Actual damages for loan denials and credit impairment Punitive damages for willful noncompliance Reputational harm and exposure to regulatory action I now estimate statutory exposure exceeding {$50000.00}, and I am prepared to file a federal suit if no resolution is reached. 



7. Relief Requested I respectfully demand : 1. Immediate removal of the XXXX  XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts from all TransUnion records. 
2. A written explanation of why my original dispute was not processed under FCRA rules.

3. Certification from TransUnion that all future disputes will be forwarded, flagged, and reinvestigated within legal timeframes.

4. Referral to the CFPB Enforcement Division and FTC for investigation into TransUnions dispute practices. 



TransUnions actions are not only negligentthey are deceptive, illegal, and harmful. The agencys continued refusal to follow black-letter federal law warrants immediate regulatory scrutiny. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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