Consumer complaint received 2025-06-10 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: WI

Complaint narrative:
I. INTRODUCTION : TRANSUNIONS WILLFUL AND EGREGIOUS VIOLATIONS OF CONSUMER RIGHTS I, XXXX XXXX XXXX , hereby submit this formal and unequivocal complaint against TRANSUNION INFORMATION SOLUTIONS , INC. ( `` TRANSUNION '' ), a Consumer Reporting Agency ( " CRA '' ), for its severe, persistent, and unconscionable violations of my fundamental rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( " FCRA '' ), the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( " FDCPA '' ), and applicable Wisconsin state consumer protection statutes, including specifically, but not limited to, XXXX XXXXXXXX XXXX XXXX ( XXXX  XXXX XXXX - XXXX XXXX ) and XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  XXXX ). 

TRANSUNION 's conduct demonstrates a blatant disregard for its statutory duties, characterized by its egregious failure to conduct proper investigations and reinvestigations, and its unauthorized, automatic updating of disputed accounts with old, unvalidated, or unverified information. This systemic dereliction of duty has directly and severely damaged my creditworthiness, resulting in a significantly low and decreasing credit score, and multiple, prejudicial denials of credit.

II. BACKGROUND : PERSISTENT FAILURE TO CONDUCT REINVESTIGATIONS AND UNLAWFUL AUTOMATED UPDATING On XX/XX/XXXX, I dispatched a 2nd & Final Dispute Letter and Request for Reinvestigation with TRANSUNION concerning the demonstrably FALSE, UNAUTHORIZED, ERRONEOUS, INACCURATE, and INCORRECT INFORMATION pertaining to XXXX XXXX XXXX XXXX  ACCOUNT # XXXX {$9400.00} ; XXXX ACCOUNT # XXXX {$2100.00} AND XXXX ACCOUNT XXXX XXXX {$2600.00} appearing in my TRANSUNION Consumer Report File ( " CRF '' ). ( Please See Supporting Document, USPS TRACKING RECEIPT XXXX ) XXXX XXXX XXXX, ACCOUNT # XXXX, BALANCE- {$190.00} ; ORIGINAL XXXX XXXX  WAS ALSO PART OF MY DISPUTE LETTER and REQUEST FOR REINVESTIGATION for the aforementioned ACCOUNTS. Yet, this ACCOUNT IS NOT LISTED as being UNDER DISPUTE on my most recent TRANSUNION CONSUMER. REPORT Dated XXXX. ( Please See Supporting Document, Screenshots for said ACCOUNTS on TRANSUNION CREDIT REPORT Dated XXXX ) My DISPUTE LETTER, sent via USPS TRACKING, demanded a diligent and statutorily compliant Reinvestigation and the immediate DELETION & PERMANENT REMOVAL/BLOCK OF XXXX XXXX XXXX XXXX  ACCOUNT # XXXX {$9400.00} ; XXXX ACCOUNT # XXXX {$2100.00} AND XXXX ACCOUNT # XXXX {$2600.00} appearing in my TRANSUNION XXXX. ( Please See Supporting Document, USPS Tracking Receipt # ) According to the USPS Tracking Receipt #, TRANSUNION received the DISPUTE LETTER & REQUEST FOR REINVESTIGATION on XX/XX/XXXX. ( Please See Supporting Document, USPS Tracking Receipt # ) To date, I have received NO DISPUTE RESULTS from TRANSUNION regarding this critical matter. While my TRANSUNION Consumer Report Dated XXXX ostensibly indicates the Status of the aforementioned ACCOUNTS ARE NOT CURRENTLY UNDER DISPUTE, but rather states, DISPUTES HAVE BEEN RESOLVED for ACCOUNTS XXXX XXXX XXXX XXXX  ACCOUNT # XXXX {$9400.00} ; XXXX ACCOUNT # XXXX {$2100.00} AND XXXX ACCOUNT XXXX XXXX {$2600.00} ; ( ( Please See Supporting Document, Screenshots for said ACCOUNTS on TRANSUNION CREDIT REPORT XXXX XXXX ) In addition, XXXX XXXX XXXX, ACCOUNT # XXXX, BALANCE- {$190.00} ; ORIGINAL XXXX XXXX  WAS ALSO PART OF MY DISPUTE LETTER and REQUEST FOR REINVESTIGATION for the aforementioned ACCOUNTS. Yet, this ACCOUNT IS NOT LISTED as being UNDER DISPUTE on my most recent TRANSUNION CONSUMER. REPORT Dated XXXX. ( Please See Supporting Document, Screenshots for said ACCOUNT on TRANSUNION CREDIT REPORT Dated XXXX ) This constitutes a flagrant breach of TRANSUNION 's : 1. Fundamental statutory duties and an affront to consumer rights. By unilaterally " updating '' a currently disputed account with prior information without conducting a fresh, thorough reinvestigation in response to a new dispute, thereby engaging in deceptive and unlawful practices ; and 2. This constitutes a material contradiction and demonstrates that TRANSUNION has unlawfully and unilaterally updated the account without conducting a new, reasonable reinvestigation, and without providing any reinvestigation results as required under law.

III. WILLFUL VIOLATIONS OF FEDERAL AND STATE LAW TRANSUNION 's actions, or lack thereof, constitute clear and WILLFUL VIOLATIONS of the following : A. Federal Violations ( Fair Credit Reporting Act - FCRA ) : 15 U.S.C. 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation and Delete Unverifiable Information : TRANSUNION 's " automatic update '' using prior dispute information in response to a new, formal dispute is NOT a " reasonable reinvestigation. '' This behavior demonstrates a systemic failure to diligently verify disputed information and a conscious refusal to delete entries that are demonstrably false, unauthorized, or unverifiable. The statute demands a genuine, independent inquiry, not a procedural re-logging of old data.

15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : By maintaining and re-verifying demonstrably false, fraudulent, and unvalidated information through a deficient " reinvestigation '' process, TRANSUNION has fundamentally failed its duty to " follow reasonable procedures to assure the maximum possible accuracy '' of my XXXX. The very nature of " automatic updates '' with old data for newly disputed information undermines any claim of reasonable accuracy procedures. 

15 U.S.C. 1681n & 1681o Willful and Negligent Non-Compliance : TRANSUNION 's documented failure to conduct a proper reinvestigation following my XX/XX/XXXX, dispute, coupled with its deceptive practice of automatically updating disputed data with old information, indicates either a knowing violation or a reckless disregard for its FCRA obligations. This persistent failure, especially after a " 2nd & Final Dispute, '' rises to the level of willful non-compliance, rendering TRANSUNION liable for actual damages, statutory damages ( $ XXXX {$1000.00} ), and punitive damages. At a minimum, their actions constitute negligent non-compliance. 

B. State Violations ( XXXX  XXXX XXXX & Debt Collection Laws ) : XXXX XXXX. XXXX ( XXXX ) ( f ) Unfair Debt Collection Practices ( Facilitation ) : By continuing to report a disputed debt without a proper, current reinvestigation and by effectively masking the true status of the dispute through automated updates, TRANSUNION facilitates the reporting of information " known to be reasonably disputed by the customer without disclosing the fact that the customer disputes the debt. '' This directly harms my financial reputation within Wisconsin. 

XXXX XXXX. Ch. XXXX XXXX Practices, Consumer Protection : TRANSUNION 's conductincluding its failure to adequately investigate and its deceptive update practicesconstitutes unfair, deceptive, and misleading business practices that defraud consumers, contrary to the spirit and letter of Wisconsin 's broad consumer protection statutes. 

IV. SUPPORTING LEGAL PRECEDENTS My claims are fortified by established legal precedents that squarely address TRANSUNION 's egregious conduct : Federal FCRA Consumer Act Violations Cushman v. Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This pivotal case mandates that CRAs must conduct independent, reasonable investigations and can not merely " parrot '' furnisher responses or rely on superficial re-logging. TRANSUNION 's automated update in lieu of a genuine reinvestigation is a direct affront to this standard. 

Collins v. TRANSUNION Info. Sols., Inc. XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Even " technically accurate '' entries can violate XXXX ( b ) if they are misleading or lack necessary context. TRANSUNION 's practice of updating with old data without a fresh investigation, especially for a " cancelled debt '' account, is inherently misleading. 

Jackson v. TRANSUNION Info. Sols., Inc. XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) & Miller v. Trans Union , LLC XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX ) : These cases are highly relevant as they address CRAs reporting cancelled debts and refusing to dismiss complaints where CRAs persisted in reporting disputed information, implying that such conduct can rise to willful violations. TRANSUNION 's actions, particularly concerning the XXXX XXXX XXXX XXXX account, mirror this pattern. 

XXXX v. TRANSUNION XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : TRANSUNION 's failure to remove disputed, unverifiable debt after multiple disputes can justify punitive damages, highlighting that repeated inaction after notice demonstrates a disregard for truth. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) : This ruling affirms that CRAs may be liable for knowingly including false information when they fail to verify consumer disputes or correct errors. A willful refusal to remove inaccurate data after notice constitutes willful misconduct. 

B. Wisconsin Consumer Act Violations XXXX XXXX. XXXX ( XXXX ) Prohibits furnishing false or misleading information on a consumers creditworthiness. TRANSUNIONs willful misreporting and lack of reinvestigation is a direct violation of this statute. 

XXXX XXXX. XXXX ( XXXX ) A consumer reporting agency must correct inaccuracies upon notice. TRANSUNION 's failure to correct or even reasonably reinvestigate constitutes an unfair practice under Wisconsin la V. DAMAGES SUFFERED The continued presence of this demonstrably FALSE, UNAUTHORIZED, ERRONEOUS, INACCURATE, AND INCORRECT ACCOUNT on my XXXX, directly attributable to TRANSUNIONs willful failure to conduct proper investigations and its deceptive automated updates, has inflicted direct, significant, and irreparable harm. My credit score has been severely and negatively impacted, remaining artificially low and experiencing further decreases. This has led to multiple denials of credit, substantial financial detriment, lost opportunities, and considerable emotional distress, humiliation, and frustration.

VI. REMEDIES AND RELIEF SOUGHT I demand that the Wisconsin Attorney General 's Office and the Department of Financial Institutions, along with the CFPB and XXXX, immediately intervene and compel TRANSUNION to : 1. IMMEDIATELY DELETE & PERMANENTLY REMOVE/BLOCK the XXXX XXXX XXXX XXXX ACCOUNT # XXXX {$9400.00} from my TRANSUNION Consumer Report File ; 2. IMMEDIATELY DELETE & PERMANENTLY REMOVE/BLOCK the XXXX ACCOUNT XXXX XXXX {$2100.00} AND XXXX ACCOUNT # XXXX {$2600.00} ; 3. IMMEDIATELY DELETE & PERMANENTLY REMOVE/BLOCK the XXXX XXXX XXXX, ACCOUNT # XXXX, BALANCE- {$190.00} ; ORIGINAL XXXX XXXX  ; 4. PROVIDE WRITTEN CONFIRMATION of the removal of said account from my TRANSUNION XXXX within seven ( 7 ) business days ; and 5. CONDUCT A THOROUGH INVESTIGATION into TRANSUNION 's deceptive " automated update '' practices in lieu of proper reinvestigations, and impose immediate, appropriate ENFORCEMENT ACTIONS, SANCTIONS, AND CIVIL PENALTIES for their willful non-compliance with federal and state law. 

6. That the Wisconsin Attorney General and Department of Financial Institutions PURSUE ENFORCEMENT ACTION under XXXX XXXX. XXXX, XXXX, and federal law ; AND 7. That the FTC, CFPB and XXXX hold TRANSUNION accountable by PUBLISHING THE NATURE & OUTCOME OF THIS COMPLAINT FOR PUBLIC RECORD. 

TRANSUNIONs PATTERN AND PRACTICE of DISREGARDING Federal Reinvestigation protocols, coupled with its FAILURE TO MAINTAIN ACCURACY, is a textbook example of WILLFUL FCRA NON-COMPLIANCE and STATE CONSUMER LAW VIOLATION. 

I reserve all rights to pursue civil litigation and statutory damages under 15 U.S.C. 1681n and 1681o, as well as Wisconsins private cause of action provisions for deceptive trade practices.

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX FTC, XXXX, WI ATTY. GENERAL, IL ATTY. 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