Consumer complaint received 2025-10-18 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: NJ

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX I requested the documents from TransUnion and the method of verification. Transunion continues to report without providing substantive evidence. Transunion is in Violation according to the CFPB, FCRA, and FTC CFPB Complaint : TransUnion Failure to Provide Verification and Documentation To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Legal Demand for Enforcement, Compensation, and Cease ReportingTransUnion Metro 2 Compliance Violation under FCRA, CFPB, FDCPA From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Dear CFPB, This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Bureau ( CFPB ) guidelines, Federal Trade Commission ( FTC ) standards, and the Metro 2 dispute requirements. TransUnion has failed in its statutory duty to conduct a reasonable reinvestigation of my dispute regarding the XXXX XXXX XXXX  XXXX tradeline, and unlawfully withheld all supporting documentary evidence and method of verification disclosures required under law. 

Violation Summary and Facts I have repeatedly disputed the reporting of account # XXXXXXXX XXXX XXXX XXXX XXXX  with TransUnion, demanding concrete documentary evidence and a full explanation of verification methods as required by FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 7 ). 

TransUnion issued verified results without producing a single signed contract, original documentation, or a complete Metro 2 compliance file. Their response failed to describe any substantive reinvestigation, relying on non-descriptive and boilerplate notations. 

This conduct violates federal requirements for data accuracy and disclosure under FCRA, CFPB, and FDCPA standards. TransUnions continued reporting without supporting documents constitutes willful noncompliance, false reporting, and reckless disregard for consumer rights. 

Legal Requirements Ignored TransUnion must : Conduct a reasonable reinvestigation Provide full documentary evidence and method of verification Release Metro 2 data profile details including ECOA codes, account status, payment ratings, DOFD, and CCC compliance. 

Cease reporting disputed tradelines until legal requirements are met. 

I have provided multiple written demands yet received only generic responses. The latest reinvestigation result lacks any evidence, does not meet Metro 2 reporting accuracy, and fails to prove compliance with federal law. 

Requested CFPB Enforcement Action I demand that the CFPB : Order TransUnion to immediately cease reporting of the disputed XXXX XXXX account until all Metro 2 and FCRA requirements are fully satisfied. 

Direct TransUnion to provide all requested documentation, including signed contracts, detailed file of investigation, complete audit trail, and names and contact details of all individuals/entities involved in the reinvestigation. 

Enforce statutory damages and compensation per FCRA 1681n and 1681o for TransUnions violations, including actual, punitive, and attorneys fees.

Impose regulatory penalties and mandate improvements to TransUnions reinvestigation processes.

Initiate arbitration and all available remedies to guarantee consumer protection and corrective action.

Relief Sought Immediate removal or suppression of disputed account until investigation documentation is produced. 

Full disclosure of all compliance evidence and methodologies used in any reinvestigation. 

Financial compensation for damages and emotional distress resulting from false reporting and noncompliance.

Regulatory intervention to ensure future compliance and prevent recurrence. 

GOVERN YOURSELF ACCORDINGLY. 

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 non-monetary relief