Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
RE : REQUEST FOR REINVESTIGATION PURSUANT TO 15 U.S.C. 1681i, 1681s-2, AND OTHER FEDERAL LAWS NOTICE to TransUnion Legal Compliance Department , I, XXXX XXXX XXXX , am writing to formally dispute and demand reinvestigation of the following inaccurate and unverified entries reporting on my credit file dated XX/XX/XXXX. These accounts have been inaccurately reported in violation of federal law including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and applicable Code of Federal Regulations ( CFR ) I. Factual Violations and Disputed Accounts 1. XXXX  XXXX Acct # : XXXX Violation : Reporting as a charge-off account with multiple delinquent payments and no proof of lawful validation.

FCRA Violation : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

FDCPA Violation : 15 U.S.C. 1692g ( b ) Continued reporting without lawful validation.

GLBA Violation : Unlawful sharing of inaccurate and unverified consumer financial data without proper safeguards ( 15 U.S.C. 68016809 ).

CFR Violation : 12 CFR 1022.43 Improper handling of consumer disputes and investigation duties.

2. XXXX XXXX Acct # : XXXX Violation : Reporting unpaid balance charged off without documentation of original contract or lawful debt validation.

FCRA Violation : 15 U.S.C. 1681i ( a ) Failure to conduct reinvestigation of disputed information.

FDCPA Violation : 15 U.S.C. 1692e ( 8 ) Communicating false or misleading information to a consumer reporting agency.

Case Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : CRAs must go beyond the original furnisher in verifying disputes.

3. XXXX XXXX XXXX XXXX ( Multiple Entries ) Violation : Continued reporting of charged-off status post account closure ( closed XX/XX/XXXX ) with no updates to reflect XXXX balance resolution or debt forgiveness. 
FCRA Violation : 15 U.S.C. 1681c ( a ) ( 4 ) Reporting obsolete information beyond 7 years.

FDCPA Violation : Reporting with no consumer notice or proper validation under 15 U.S.C. 1692g ( a ).

GLBA Violation : Disclosure of outdated or unverified data affecting my financial privacy.

Case Law : Jones v. Credit Bureau of Santa Clara Valley, 1990 WL 96448 ( N.D. Cal. 1990 ) : Reporting obsolete information is a violation of the FCRA.

4. XXXX XXXX Acct # : XXXX Violation : Reporting " Transferred ; was 120 days past due date '' after account closure and transfer, without updated balance, status, or proof of default notice.

FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Duty to update information and report accurate status.

CFR Violation : 16 CFR 660.4 ( b ) Duty of furnishers to correct and update inaccurate information.

Case Law : Dennis v. BEH-1, 520 F.3d 1066 ( 9th Cir. 2008 ) : Failure to verify or correct information can support liability under FCRA.

II. Demand for Action Under 15 U.S.C. 1681i, you are hereby demanded to : 1. Conduct a full reinvestigation of each disputed account listed above ; 2. Delete or correct all inaccurate, unverifiable, or obsolete information ; 3. Provide documentation verifying the source and legal basis for the reporting ; 4. Send me written confirmation of the results within 30 calendar days as required by law.

Failure to comply will constitute willful noncompliance and may subject you to civil liability under 15 U.S.C. 1681n, as affirmed in Safeco Ins. Co. of America v. Burr, 551 U.S. 47 ( 2007 ).

III. Legal Notice of Federal Rights I hereby assert my rights under : FCRA ( 15 U.S.C. 1681 et seq. ) FDCPA ( 15 U.S.C. 1692 et seq. ) GLBA ( 15 U.S.C. 68016809 ) 12 CFR 1022.43 & 16 CFR 660.4 You are obligated to protect the integrity of my credit file and not permit the dissemination of unverified, outdated, or fraudulent entries.

Intent to Escalate If you fail to provide lawful verification or delete the disputed accounts within the timeframe permitted under federal law, I will pursue legal remedies, including : Filing complaints with the FTC, and Florida Attorney General ; Filing a civil lawsuit in federal court for damages pursuant to 15 U.S.C. 1681n and 1692k.

Please consider this letter as my formal dispute and reinvestigation request under federal law. 

Sincerely, XXXX

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