Consumer complaint received 2025-10-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX I submitted a new dispute request to TransUnion that included verified court documentation and state payment records showing that the landlords eviction judgment against me was obtained through fraud upon the court and did not include any monetary award, only possession. The same day that I uploaded this new evidence, TransUnion emailed me a notice stating, Your dispute investigation is complete, effectively closing the investigation without reviewing or considering any of the new court evidence I provided.\n\nThis violates my rights under the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681i, which requires TransUnion to conduct a reasonable reinvestigation when a consumer submits new and relevant documentation. TransUnion failed to perform any review, as proven by the instant same-day closure of my request.\n\nI am requesting immediate correction of my consumer file and removal of the inaccurate tradeline related to XXXX XXXX XXXX XXXX XXXX XXXX  as the judgment was only for possession, not for any debt or monetary damages. There is no valid basis for continued reporting of this eviction as a financial delinquency.\n\nAttached evidence includes:\n TransUnions same-day email closing the investigation on XXXX XXXX XXXX  Filed Motion to Vacate Judgment (CCP 473(d)) with proof of fraudulent landlord declaration and Housing Is Key state payment records totalinXXXX XXXXn Certified court documents confirming no monetary judgment was ever issued.\n\nI respectfully request that TransUnions conduct be investigated for failure to reinvestigate under FCRA 611, and that the inaccurate eviction tradeline be permanently deleted from all three credit reports (TransUnion, XXXX XXXX XXXXSupplemental Statement  Pattern of Fraud and Harassment\n\nWhile I was protected under Californias COVID-19 Tenant Relief and Housing Is Key rent-relief program, property manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  engaged in fraudulent double-dipping. She accepted a total of XXXX XXXXn state-issued rent-relief funds on behalf of my tenancy (two payments: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and, at the same time, pursued an eviction for nonpayment of rent for the very same period.\n\nDespite being fully compensated by the State of CaliforniaXXXX XXXX XXXX  submitted a sworn declaration to the Orange County Superior Court on XXXX XXXX XXXX falsely stating that no rental assistance had been received, which directly led to a default judgment for possession the following day. After the eviction, XXXX XXXX  and its attorney, XXXX XXXX  (also many complaints on XXXX) added fabricated charges to my account and referred a non-existent balance to XXXX XXXX XXXX, which began reporting it to the credit bureaus as a valid debt. Not sure where or how they came up with the original over $19,000 total I owed but then with no explanation why removed XXXX  from it suddenly. XXXX XXXX  is located:\n\nBrett M Borland, P.C.\n2440 Sandy Plains XXXX XXXX XXXX XXXX XXXX would like a copy of this sent to XXXX  and XXXX XXXX (who lied under oath and I have proof) Cannon Management, as well as XXXX XXXX XXXX XXXX XXXX office and all 3 Credit reporting agencies and request immediate removal from all 3 credit reports. Due to this situation my credit score has suffered making it IMPOSSIBLE for me to rent another apartment, and has cost me emotional and financial distress.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXALL Parties admit to receiving the money (I have many emails showing proofXXXXSince then, I have endured harassing phone calls and collection attempts from National Credit Systems demanding money that is not owed, in direct violation of the Fair Debt Collection Practices Act (FDCPA). This has caused ongoing credit damage and emotional distress. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  complaints from other tenants alleging similar fraudulent activity, harassment, and misuse of public funds.\n\nI am requesting immediate federal review and enforcement action for consumer fraud, unlawful credit reporting, and collection harassment, and for the removal of this inaccurate tradeline from all credit reports."

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