Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
Rebuttal to TransUnion Failure to Properly Verify Disputed Accounts Complaint Type : Credit Reporting / Consumer Reports Issue : Problem with a Companys Investigation Reference : Closed with Non-Monetary Relief XX/XX/year> Credit Bureau : TransUnion To Whom It May Concern, This correspondence serves as my formal rebuttal and continued dispute of TransUnions investigation results issued in response to my CFPB complaint. While your response states that certain accounts remain in active dispute and others were verified as reported, no competent verification documentation has been provided to me as required by the Fair Credit Reporting Act ( FCRA ).

My original complaint clearly identified material inaccuracies, duplicate reporting, inconsistent balances, and lack of contractual validation across multiple tradelines. Your generic conclusion of verified as reported does not satisfy the legal standard of a reasonable reinvestigation under FCRA 611 ( a ) and 607 ( b ). 

Accounts Still Listed as Active Dispute ( No Final Resolution Provided ) Department of Education / XXXX XXXX  Tradelines Reported Balances : {$8800.00} / {$3500.00} / {$7200.00} / {$3800.00} / {$7600.00} / {$3900.00} / {$970.00} Issue : Duplicate student loan reporting as separate tradelines with inconsistent balances and late-payment histories. These accounts require consolidation review, ownership verification, and full payment history validation. 

XXXX XXXX XXXX XXXX XXXX Charge-Off {$2900.00} Issue : Closed by credit grantor with derogatory history still reporting. No itemized accounting, signed contract, or charge-off validation has been provided. 

XXXX XXXX XXXX XXXX {$3500.00} ( XXXX. Creditor : XXXX XXXX ) Issue : Reported less than 12 months ago with unverifiable lease details. I never received lawful validation under FDCPA 809. 

XXXX XXXX {$1200.00} ( Orig. Creditor : XXXX XXXX ) Issue : Consumer dispute is noted, yet the account continues to report derogatory without proof of original contract, payment obligation, or lawful assignment. 

These accounts remain legally unverified and can not continue reporting with only an active dispute notation. 

Accounts Improperly Marked Verified as Reported Without ProoXXXX XXXX XXXX XXXX  {$2300.00} ( XXXX. Creditor : XXXX XXXX. ) Issue : No signed contract, no complete account history, and no admissible chain of assignment were ever produced. Balances remain inconsistent. 

XXXX. XXXX {$150.00} ( XXXX. Creditor : XXXX XXXX ) Issue : Reporting placed for collection without documented ownership, consumer authorization, or itemized billing. 

Marking these accounts as verified without furnishing documentary evidence to the consumer constitutes negligent and/or willful non-compliance with FCRA 611 ( a ).

Formal Demand for Method of Verification Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I formally demand that TransUnion provide : The name, address, and phone number of each furnisher contacted The exact date ( s ) of verification Whether verification was manual or automated ( e-OSCAR ) A description of the actual documents relied upon Proof of legal ownership and chain of assignment for all collection accounts An automated verification alone does not meet statutory verification standards when accuracy, duplication, and contractual validity are disputed.

Notice of Continuing FCRA Violations Until full documentary proof is produced, the continued reporting of these accounts constitutes : Failure to conduct a reasonable reinvestigation Publication of unverified consumer data Violation of FCRA 607 ( b ), 611 ( a ), and 623 ( b ) If TransUnion and the furnishers can not fully substantiate these accounts with competent evidence, I demand immediate deletion pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

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