Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint Portal Online Submission Re : Willful FCRA Violations, Sham Investigations, and Unlawful Credit Reporting by TransUnion CFPB Complaint Reference Numbers : XXXX, XXXX, XXXX To Whom It May Concern : I am filing this formal complaint against TransUnion for reckless disregard of federal law, including fraudulent " investigations, '' unlawful credit reporting, and willful violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Federal Rules of Evidence ( FRE XXXX ). TransUnion has engaged in a systemic pattern of sham disputes, reinserting fraudulent debts without validation, and ignoring statutory obligations to ensure accuracy. This misconduct has caused severe financial injury and emotional distress. 

Legal and Factual Summary XXXX. Fraudulent " Investigations '' and Violation of the Best Evidence Rule TransUnion conducted sham investigations into XXXX fraudulent accountsXXXX XXXX XXXX ( XXXX  ) # XXXX and XXXX XXXX # XXXX rubber-stamping unverified creditor claims while ignoring federal standards for debt validation : Failure to Require Original Documentation : Under FRE XXXX ( Best Evidence Rule ), creditors must produce original documents ( e.g., wet-ink contracts, payment ledgers ) to validate a debt. 
XXXX  provided only unauthenticated electronic copies of a XXXX XXXX XXXX, which lack proof of signature validity, chain of custody, or transactional history. 
XXXX XXXX provided no contractual or transactional records whatsoever. 
TransUnion accepted these legally insufficient copies as " verification, '' violating XXXX XXXX. XXXX ( a ) ( duty to investigate ) and FDCPA XXXX ( debt validation ). 
Sham Dispute Process : XXXX " investigations '' consisted of forwarding my disputes to creditors without scrutiny, then blindly accepting their boilerplate responses. This violates XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which mandates a reasonable investigationincluding direct contact with consumers and examination of evidence. 
XXXX. Unlawful Reinsertion of XXXX XXXX Account # XXXX On XX/XX/XXXX, TransUnion deleted XXXX XXXX  fraudulent account after my dispute. 
It is now back on my consumer report, TransUnion reported the same account again without : Notice of Reinsertion : Violating XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). 
Certification of Accuracy : Violating XXXX XXXX. XXXX ( c ). 
Lawful Reinvestigation : Violating XXXX XXXX. XXXX ( a ). 
XXXX. Continued Reporting of CAC Account # XXXX Despite Identity Theft Despite receiving an FTC Identity Theft Report ( Case # XXXX ) on XX/XX/XXXX, TransUnion continues to publish CACs fraudulent account. This violates : XXXX XXXX. XXXX : Mandatory blocking of identity theft-related information. 
XXXX XXXX. XXXX : Reporting without permissible purpose after consent revocation. 

Violations of XXXX XXXX XXXX. XXXX ( a ) : Sham investigations failing to meet " reasonable '' standards. 
FRE XXXX : Acceptance of unverified copies instead of original debt records. 
XXXX XXXX. XXXX ( c ) : Reinsertion of XXXX XXXX account without certification. 
XXXX XXXX. XXXX : Aggravated identity theft via fraudulent reporting. 
XXXX XXXX. XXXX ( b ) : Dissemination of demonstrably inaccurate information. 

Demanded Relief Immediate Deletion : Permanently remove CAC # XXXX and XXXX XXXX # XXXX from all credit files under XXXX XXXX. XXXX. 
Cease and Desist : Prohibit TransUnion, XXXX, and XXXX XXXX from further reporting these accounts. 
Statutory Damages : Compensatory and punitive damages under XXXX XXXX. XXXX for willful noncompliance. 
CFPB Enforcement Action : Investigate TransUnions systemic sham investigations and refer for prosecution under XXXX XXXX. XXXX. 
Corrective Notice : Require TransUnion to notify all third parties who received these fraudulent reports within the last XXXX years. 

Attachments FTC XXXX Theft Report ( FTC # XXXX ). 
CACs unverified " validation '' documents ( Retail Installment Contract, Disclosure Form ). 
Proof of XXXX XXXX deletion and reinsertion ( credit reports, correspondence ). 
Prior CFPB complaint records. 
If this matter is not resolved within XXXX business days, I will escalate to federal litigation under FCRA, FDCPA, and New York XXXX XXXX XXXX XXXX. 
Sincerely, XXXX XXXX XXXX : Federal Trade Commission ( FTC ), New York Attorney Generals Office, XXXX XXXX XXXX XXXX XXXX ( CAC Counsel ) Attachments : FTC Identity Theft Report, Prior CFPB Complaint Records

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