Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the following accounts currently reporting on my TransUnion credit report : XXXX  XXXX Late Payment Account # XXXX XXXX XXXX Late Payment Account # XXXX XXXX XXXX XXXX Collection Account # XXXX {$280.00} XXXX XXXX Collection  Account # XXXX {$300.00} XXXX XXXX XXXX ( XXXX ) Collection Account # XXXX {$590.00} XXXX  XXXX Charge-Off Accounts # XXXX and # XXXX XXXX XXXX Charge-Off Account XXXX XXXX XXXX of providing lawful verification, I have received repeated form responses and delay tactics commonly known as stall letters, claiming that I am working with a third party or that I reported identity theft. I did neither. I never filed an identity theft claim and never authorized anyone to communicate on my behalf. These claims are false and appear to be used to avoid fulfilling your statutory duty to investigate.

To date, I have not received one piece of verification for any disputed account. Verification requires documentary proof not automated database checks or blanket confirmations. Proper verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ( b ) ) requires review of original records including : Signed contracts or applications establishing consumer liability Complete billing statements or transactional account histories substantiating alleged late payments Ch
ain of title or assignment documents proving legal ownership of collection accounts Itemized balance calculations proving reported amounts Business records demonstrating accuracy of charge-off reporting None of these documents have been provided. Electronic validation, computer matching, or internal confirmation does not qualify as reasonable investigation, which violates FCRA 1681s-2 ( b ) and 1681i ( a ).

Reporting unverified adverse accounts also violates : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unsupported information FDCPA 1692e & 1692f False and deceptive debt reporting and collection practices FDCPA 1692g Failure to validate collection accounts Metro 2 Guidelines Which require furnishers to report accoun
ts only when supported by documentary evidence and prohibit verification without proof I am also aware that TransUnion has been repeatedly named in federal class-action lawsuits for failure to conduct reasonable investigations, unlawful reinsertion of disputed data, verification without documentation, and systemic non-compliance with dispute resolution procedures. Additionally, your company has experienced multiple data breaches, raising serious concerns about the controls and integrity of consumer file handling and dispute processing. 
Continued verification and reporting of disputed accounts without providing documentary proof constitutes willful non-compliance with federal law.

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