Consumer complaint received 2025-05-10 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: VA

Complaint narrative:
I am writing to formally respond to the rebuttal submitted by XXXX XXXX XXXX XXXX ( a division of TransUnion ) regarding my recent complaint filed with the CFPB. I am extremely concerned about the inaccurate, inconsistent, and evasive statements contained in their response, and I believe that XXXX XXXX has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and continues to mishandle my personal information. 

Inconsistencies and Violations in Advance FactorTrust 's Rebuttal : Failure to Provide Contractual or Permissible Purpose for Data Collection I have never had any business relationship, credit transaction, or service agreement with XXXXXXXXXXXX XXXX XXXX XXXX XXXX Despite this, they maintain a file on me and have shared or reported that information to third parties. 

Violation : Under FCRA 1681b, a consumer reporting agency may only furnish a report for specific permissible purposes. XXXX has failed to identify any legal or contractual basis that authorizes their possession or use of my consumer data. 

Lack of Proof of Consent or Authorization I have repeatedly requested a copy of any signed contract or agreement that would allow XXXX to collect or report my data. No such documentation has been provided to date. 

Violation : Maintaining and distributing consumer information without documented consumer consent or verification of a legitimate business relationship is a violation of FCRA 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy.

Continued Reporting Despite Cease and Desist A cease and desist letter was sent, and XXXX has continued to maintain and possibly report information about me. 

Under FCRA 1681c, consumer reporting agencies are also required to ensure that outdated or inaccurate information is not being reported. Their failure to act on a formal dispute or cease request demonstrates willful noncompliance.

Refusal to Clearly Identify Data Sources XXXX has not disclosed where or how they obtained my personal information, nor from which creditors or affiliates. This is a lack of transparency that further obstructs my ability to dispute or verify the accuracy of the data they claim to maintain. 

This is a violation of FCRA 1681g ( a ) ( 2 ), which requires a credit reporting agency to disclose the sources of information upon request.

Failure to Properly Investigate Disputed Information My original complaint disputed the accuracy and legitimacy of XXXX file on me. Their rebuttal did not reference any reinvestigation, corrective action, or deletion of unauthorized data. 

Violation : Under FCRA 1681i ( a ), XXXX is obligated to investigate disputes within 30 days, and if the disputed information is found to be unverifiable, it must be removed. 

Invasion of Privacy and Potential Data Misuse XXXX possession of my personal and sensitive data without my knowledge, consent, or business interaction raises significant concerns about data harvesting and third-party data brokering practices that undermine consumer privacy rights.

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 explanation