Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint concerns multiple serious issues with TransUnion, including : ( 1 ) a false representation made to the CFPB, ( 2 ) the launch of an unauthorized dispute using my PII, ( 3 ) the unauthorized alteration of my credit file, ( 4 ) TransUnions refusal to provide the legally required Method of Verification ( MOV ), and ( 5 ) their failure to upload required documents to the CFPB portal.

All statements below are supported by the existing CFPB record and the documents I am re-submitting. 


1. TransUnion made a materially false statement to the CFPB TransUnion claimed on XX/XX/year> that my request did not come from you or someone youve authorized. 
This statement is demonstrably false, because : I personally submitted the complaint through my authenticated CFPB account. 
All evidence was uploaded directly by me. 
TransUnions own interim response stated they were reviewing the information you previously submitted, acknowledging me as the complainant.

There is no contradictory information and no third party involved.

Their statement is unsupported and factually incorrect.

2. TransUnion used my PII to launch an unauthorized dispute On XX/XX/year>, TransUnion opened a dispute using the Personally Identifiable Information I provided. 
I never requested this dispute. 

They then : deleted that unauthorized dispute, failed to provide the required notice, failed to provide results, and failed to disclose the verification method. 

This raises serious concerns about misuse of my PII. 

I am attaching my ID and XXXX again for CFPB review to eliminate any excuse for future avoidance.

3. TransUnion unilaterally altered my credit file without authorization On XX/XX/year>, TransUnion claimed they updated my address. 
This is false. I did not dispute my address, request an address change, or submit any request involving my personal information. 

They altered my file without my consent-- while simultaneously refusing to process the request I actually made. To be extremely clear, my only dispute was XXXX. I have not disputed anything else but XXXX. 


4. TransUnion is avoiding the legally required MOV Under 15 U.S.C. 1681i ( a ) ( 7 ), TransUnion was required to provide the Method of Verification ( MOV ) within 15 days of receiving my certified request ( received XX/XX/year> ; due XX/XX/year> ). I have yet to receive anything Ive requested. 

They did not provide the MOV. 
They ignored the statutory deadline. 
They mischaracterized my request as an address dispute, which I never filed. 
They then used the false not from you claim to avoid compliance. To fill this gap, I am resubmitting my ID and XXXX once again. I am making this complaint as clear as possible. 


5. TransUnion has refused to disclose required records I am demanding all records I am legally entitled to under the FCRA, including but not limited to : - Full investigation file for my XX/XX/XXXX and XX/XX/XXXX disputes ( including all verification notes and furnisher communications ). 

- MOV for the authorize XX/XX/XXXX and XX/XX/XXXX XXXX dispute. 

( the central request they continue to avoid ) - All internal system logs and audit trails from XX/XX/year> to present, including : employee IDs/system identifiers, timestamps, notes, data access logs, data modification logs. 

- The full record for the unauthorized XX/XX/year> dispute including why it was opened, who initiated it, and why it was deleted without notice. 

- All records supporting the unauthorized address change on XX/XX/year>. 

- All documents exchanged with XXXX, including : all verification requests, responses, electronic transmissions, ACDV records, CDV records, any E-OSCAR system notes. 

- The complete dispute history associated with my file, including deleted or suppressed records. 

- All consumer disclosures, data sources, and data-furnisher reports used during the investigation. 

- A full listing of all persons or entities who accessed or altered my credit file during this period. 

I am requesting CFPB oversight because TransUnions last response avoided every one of these items.

6. I request that TransUnion be required to upload everything directly to the CFPB portal Given their prior misrepresentation and avoidance, I am requesting that all responsive records- including the MOV, logs, communications, and audit trails- be uploaded directly to the CFPB portal so that : the CFPB can monitor compliance, the record is preserved, and nothing is withheld or selectively summarized.

This is essential because TransUnion previously altered my file and launched an unauthorized dispute using my information, but refuses to provide the actual MOV or supporting documentation. 

Additionally, the XXXX tradeline associated with my XXXX dispute has been deleted from my TransUnion file. This further confirms that my dispute was submitted directly by me, and it eliminates any basis for TransUnions claim that my request did not come from me. The deletion also does not eliminate their statutory obligation to provide the Method of Verification used during the original investigation.

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