Consumer complaint received 2025-10-06 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:
Reinvestigation and Method of Verification Request ( Including Rights under FCRA, FDCPA, and XXXX TransUnion XXXX Breach ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Reinvestigation and Method of Verification Continued Reporting of Unvalidated Accounts File Identification Number : XXXX Accounts in Question : XXXX XXXX XXXX / XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank XXXX ( Financial ) Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Financial ) Transunion : This correspondence serves as a formal reinvestigation request and demand for the method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ). 

Your recent Dispute Investigation Results, dated XX/XX/XXXX, state that the above-referenced XXXX XXXX XXXX account was verified as accurate and updated. However, the method and source of verification were not disclosed as required by law. 
Under FCRA 611 ( a ) ( 7 ), I am entitled to a full description of the procedure used to verify the accuracy and completeness of the disputed information, including the business name, address, and telephone number of the furnisher of information contacted during the reinvestigation. I also invoke FCRA 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ), requesting disclosure of the source and manner in which this account was verified.

1. Continued Reporting Without Validation The reporting entity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is a debt buyer, not the original creditor. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, a debt collector is prohibited from continuing collection or furnishing activity without full validation of the debt and its legal right to collect. 

If XXXX XXXX XXXX fails to produce a chain of title, original contract, or written authorization from the original creditor ( XXXX XXXX  / XXXX XXXX Bank XXXX. ), its continued reporting violates FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate or unverifiable information. 

2. Custody & Data Integrity TransUnion XXXX Breach ( XXXX ) Following the XXXX TransUnion XXXX Incident, it has been publicly acknowledged that consumer dataincluding identifying, financial, and reporting informationwas accessed and potentially compromised. Under these circumstances, the chain of custody of consumer data is no longer reliable, creating substantial risk of alteration, unauthorized access, or data contamination. 

Under FCRA 602 ( A ) and 607 ( b ), TransUnion bears the non-delegable duty to maintain maximum possible accuracy and reasonable procedures to ensure data integrity. The breach effectively undermines that duty and voids presumptive accuracy for any data under disputed custody. 

Until TransUnion can demonstrate that these XXXX XXXX  accounts and all supporting data were unaffected by the breach, verified through independent authentication of data custody, the continued reporting of this account constitutes a willful violation under FCRA 616 and 617, exposing TransUnion to civil liability and statutory damages Therefore, in light of the breach, I am asserting my right to have this unverifiable and potentially compromised account immediately deleted from my credit file unless TransUnion can furnish : The exact verification source and method used, The documentation reviewed to confirm the accuracy of this account, and Written certification that the account data was not compromised by the XXXX breach. 
NO E-OSCAR verifications are valid in light of the cybersecurity breach. 

3. Demand for Compliance Please provide the required method of verification and all supporting documentation within 15 days of receipt of this letter. Failure to comply will result in further pursuit of formal complaints which were filed with : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), and for violations of the FCRA, FDCPA, and Federal Consumer Protection standards related to data custody and reporting integrity. 
If TransUnion and the furnisher can not validate the data and verify lawful reporting rights, I demand that this item be permanently deleted from my credit report. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX Last Four ( XXXX ) XXXX XXXX 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