Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE READ MY ENTIRE STATEMENT CAREFULLY I am extremely tired of repeating this over and over in every dispute, complaint, and follow-up. TransUnion has had more than enough opportunities to fix this and has failed every time. 

Ive disputed this same unauthorized XXXXXXXX XXXX ( XXXX ) account with TransUnion over and over, and all I get are the same recycled, meaningless responses : VERIFIED AS ACCURATE, FRAUD BLOCK DECLINED, " UPDATED, '' and WE CONTACTED THE FURNISHER. They keep throwing the same generic, automated garbage at me like Im not entitled to a real answer. This isnt a reinvestigation its a joke. Ive sent my FTC Identity Theft Report and supporting documents Ive done EVERYTHING Im supposed to do. Meanwhile, TransUnion hasnt done a damn thing except protect a fraudulent account that shouldve been DELETED A LONG TIME AGO.

I specifically asked for a full breakdown of their so-called investigation what they looked at, who verified it, what documentation was used and I got NOTHING. NO EVIDENCE. NO PROOF. NO PROCEDURAL DISCLOSURE. Just more form letters. I know what theyre doing : running my dispute through E-OSCAR, letting the furnisher respond with verified, and rubber-stamping it closed without lifting a finger. Thats not compliance. Thats a DIRECT VIOLATION of 15 U.S.C. 1681i. Theyre required by law to do a REASONABLE REINVESTIGATION, and based on what I received? That NEVER happened.

And heres the thing Ive done my research. This exact pattern has already gotten TransUnion SUED in multiple federal cases. In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that a credit bureau can not just blindly rely on the furnishers word they are XXXX XXXX to conduct a meaningful reinvestigation. In XXXX v. TransUnion, XXXX, XXXX. XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX, XXXX ), TransUnion was sued for doing NOTHING but sending canned verified letters with no actual review exactly what theyve been doing to me. In TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), they were hit with millions in damages for failing to ensure accuracy, for reckless procedures, and for denying consumers their rights under the FCRA. 

It doesnt stop there. In XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court confirmed that CRAs must use reasonable procedures to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) not just take the furnishers word for it. In XXXX XXXX XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court made it clear that once a consumer reports an inaccuracy, the agency has a legal obligation to properly reinvestigate and correct errors or face liability. Even the FTC, in an official opinion letter by XXXX, stated that credit bureaus and furnishers can not continue reporting unverifiable accounts. TransUnion is following the same reckless pattern ignoring my evidence, brushing off my dispute, and violating multiple federal laws in the process. 

I NEVER gave written authorization for TransUnion to report this account. That means theyre also in violation of 15 U.S.C. 1681b NO PERMISSIBLE PURPOSE. Theyre violating 1681e ( b ) by failing to ensure maximum possible accuracy, and 1681i ( a ) ( 7 ) by refusing to disclose how or by whom the data was verified. This is more than just negligence this is WILLFUL NONCOMPLIANCE. And lets not ignore the biggest red flag : XXXX DELETED THIS ACCOUNT, and EXPERIAN ALREADY REMOVED IT AFTER AN EARLIER DISPUTE yet TransUnion continues to keep it on my file like that never happened. That proves this reporting is UNRELIABLE, UNVERIFIED, and UNLAWFUL. 

Im not asking anymore. Im DEMANDING that TransUnion IMMEDIATELY AND PERMANENTLY DELETE this fraudulent account from my report, provide a FULL EXPLANATION of how it was supposedly verified, and stop sending these useless, recycled letters. Since they have failed to comply despite multiple opportunities, they have forfeited any right to continue reporting this account. I will pursue legal action under 15 U.S.C. 1681n, which entitles me to {$1000.00} per violation, plus punitive damages and attorneys fees. TransUnion has violated my rights under federal law, and I REFUSE to let them get away with it.

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