Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
Subject : Formal Complaint Against TransUnion for Failure to Investigate and Correct Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against * * TransUnion * * for repeated violations of the * * Fair Credit Reporting Act ( FCRA ) * * in connection with their handling of a disputed collection account. Despite nine separate disputes and the submission of detailed supporting documentation. 
Background : The account in question was placed in collections by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX relating to a rental property I previously occupied. The following inaccuracies and violations apply : - The account falsely reports that I had a * * 1-month lease * *, when in fact, I was on a * * 12-month lease * *, which I completed. 
- Despite my first formal request for validation on * * XX/XX/XXXXXXXX  * *, and numerous follow-ups, the debt remains unvalidated. 
- XXXX  previously confirmed that * * no documentation * * was available from the furnisher, and yet TransUnion continues to report the account as verified. 
- The reported charges include inflated and disputed amounts, including a * * {$2400.00} paint fee * *, despite documented pre-existing damage noted in my move-in condition form. 
- I submitted a formal, detailed dispute letter to all parties on * * XX/XX/XXXXXXXX  * *, outlining the above violations. 
- TransUnion has failed to flag the account as " disputed, '' violating * * FCRA 623 ( a ) ( 3 ) * *.

- TransUnions repeated " verifications '' with no correction or explanation suggest a * * failure to conduct a reasonable reinvestigation * *, in violation of * * FCRA 611 * *.

Request for Resolution : I am requesting that the CFPB take immediate action to investigate TransUnions handling of this account and compel them to : 1. Conduct a full reinvestigation based on the documentation I have already provided.
2. * * Delete * * the inaccurate collection account due to failure to verify the debt, ongoing inaccuracies, and violations of my rights under the FCRA.

3. Provide me with a written explanation of how TransUnion verified the disputed information, including any documents they received from the furnisher. 

I am prepared to submit all relevant documents, including : - My original lease agreement - My move-in condition form ( noting pre-existing damages ) - My XX/XX/XXXXXXXX  dispute letter - Prior dispute confirmations from TransUnion - Email correspondence and responses from other bureaus Thank you for your time and attention to this matter. I am pursuing this complaint in good faith and hope the CFPB will intervene to ensure compliance with federal consumer protection laws.

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