Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
Formal Response to TransUnions Investigation Results Re : File Identification Number XXXX Date : XX/XX/XXXX Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX I. Nature of the Response This document serves as my formal legal rebuttal to TransUnions Investigation Results Verified as Accurate determination dated XX/XX/XXXX, regarding the alleged Chapter XXXX bankruptcy record reported from XXXX XXXX XXXX Georgia. 

I have attached full current reports from Equifax ( dated XXXX XXXX, XXXX ) and Experian ( dated XXXX XXXX, XXXX ) both of which confirm no public records or bankruptcy filings under my name. This makes TransUnion the sole consumer reporting agency continuing to publish and maintain this inaccurate and unverifiable bankruptcy record, in direct violation of the Fair Credit Reporting Act ( FCRA ), CFPB guidance, and Metro-2 compliance requirements.

II. Violations Admitted by TransUnion 1. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation TransUnions own notice states that it asked the lender reporting the informationto review relevant information we sent them, confirming that TransUnion did not independently verify the record with the actual court of record.

Under Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), simply echoing the furnishers prior confirmation is not a reasonable reinvestigation. 

Since XXXX XXXX XXXX both verified with their data sources and removed the record, XXXXions refusal to follow suit proves a reckless disregard for accuracy under FCRA 1681i and 1681e ( b ).

2. Violation of 15 U.S.C. 1681e ( b ) Failure to Maintain Maximum Possible Accuracy The FCRA requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. The fact that TransUnion is the only CRA still reporting this record establishes statistical and procedural inaccuracy under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which held that inconsistent reporting among CRAs is evidence of unreliable procedures. 

Further, under XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ), accuracy means more than technical correctnessit requires completeness and truthfulness. If other CRAs found no such record, TransUnions continued reporting constitutes willful and negligent inaccuracy. 


3. Violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Method of Verification TransUnions statement instructing me to contact TransUnion if you wish to receive the description of the procedures we used to investigate is a direct admission that it did not automatically provide the required method of verification.

The statute mandates that the CRA must include this information with the reinvestigation resultsnot only upon additional request. This omission alone violates 1681i ( a ) ( 6 ) ( B ) ( iii ).

4. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to Delete Unverified Information When a disputed item can not be verified, the CRA must delete it from the consumers file. Because Equifax and Experian found no record, TransUnions continued publication of this unverifiable data proves that the alleged source either : ( a ) never confirmed the record directly with the XXXX Bankruptcy XXXX, or ( b ) relied on a third-party database ( LexisNexis/LCI ) XXXX than the original court file, violating FCRA XXXX ( b ) and CFPB XXXX XXXX ( XXXX C.F.R. Part XXXX, XXXX. XXXX ). 


XXXX. Violation of Metro-2 and CFPB Accuracy Standards Under Metro-2 Field 23 ( Compliance Condition Code ) and Field 25 ( Account Status Code ), when a record is discharged, dismissed, or removed, CRAs must update or delete the record. 
TransUnions verified as accurate claim despite contradictory data from the other CRAs violates CFPB XXXX XXXX and XXXX C.F.R. XXXX ( a ) ( XXXX ), which require consistent and synchronized reporting among nationwide CRAs. 


XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX TransUnion XXXX ( XXXX XXXX. XXXX ) CRAs must go beyond parroted responses and perform their own reasonable investigation. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX on a third-party data vendor is insufficient for compliance. 

XXXX XXXX TransUnion LLC ( XXXX XXXX XXXX ) Liability established for reporting unverified bankruptcy data not confirmed directly with the court. 

CFPB XXXX TransUnion LLC ( XXXX ) TransUnion penalized for automated dispute processes that violated FCRA reinvestigation obligations. 


IV. Demand for Corrective Action 1. Immediate deletion of the unverified Chapter 7 bankruptcy record from my TransUnion file.

2. Written confirmation within 15 days verifying that the record has been deleted and that TransUnions systems have been updated to prevent reinsertion under 1681i ( a ) ( 5 ) ( B ).

3. Disclosure of full method of verification, including the name, address, and phone number of any entity TransUnion relied upon.

4. Updated report reflecting the deletion, to be sent to any party who received my report within the last 2 years for employment or 1 year for other purposes.

V. Notice of Intent Failure to comply will result in a formal complaint with the CFPB, FTC, and Maryland Attorney Generals Office, and pursuit of civil action under 15 U.S.C. 1681n and 1681o for willful and negligent violations. Damages of up to {$1000.00} per violation, punitive damages, and attorneys fees will be sought. 



Respectfully submitted, XXXX 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