Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
[ ALL IDENTIFICATION DOCUMENTS AND FULL DISPUTE LETTER ATTACHED ] TransUnion has repeatedly failed to accurately report and investigate information on my credit file, despite multiple formal disputes and the submission of comprehensive identity theft documentation ( FTC Identity Theft Report # XXXX and # XXXX ). This third-round dispute is necessary because TransUnion has shown a persistent and unlawful pattern of blindly deferring to furnisher responses instead of conducting its own independent and reasonable investigations under the Fair Credit Reporting Act ( FCRA ). The pervasive inaccuracies and inconsistencies across my TransUnion file, often contradicting reporting on other bureaus, demonstrate that the furnisher 's information itself is unreliable and can not be trusted. TransUnion 's continued reporting of this demonstrably inaccurate data is a direct violation of federal law. 

Specifically : XXXX XXXX XXXX Account : This account was previously disputed as identity theft and was even deleted by TransUnion at XXXX point, only to be reinserted without proper FCRA-mandated notice. TransUnion continues to report late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account should have been permanently blocked or deleted under FCRA 605B given the identity theft documentation. Its reinsertion without proper certification of accuracy, coupled with clear discrepancies in basic account details ( e.g., " Account Type, '' " Terms, '' " Date of Last Payment '' differing across bureaus ), proves TransUnion 's reliance on unreliable furnisher data. This violates FCRA 611 ( a ) ( 5 ) ( B ) and 1681e ( b ). 

XXXX XXXX Account : This long-standing account, which I do not wish to be deleted, is showing factually inconsistent late payment reporting between credit bureaus. TransUnion reports XXXX late payments in XX/XX/XXXX and XX/XX/XXXX. However, XXXX  reports these same late payments for XX/XX/XXXX and XX/XX/XXXX. A single XXXX late payment can not exist on two contradictory timelines. This glaring inconsistency between what TransUnion reports and what other bureaus report for the same alleged late payment definitively proves the underlying furnisher data is unverifiable and untrustworthy, violating FCRA 1681e ( b ) requiring maximum possible accuracy. 

XXXX XXXX  / XXXX XXXX Account : This account is riddled with extensive and provable reporting failures that render the entire entry unverifiable. TransUnion reports numerous XXXX lates ( including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and XXXX lates ( including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX ). Your payment progression contains illogical jumps ( e.g., directly to XXXX or 90 days late without showing XXXX progression ), indicating flawed data input or processing. Furthermore, key data points like " Date of Last Payment '' and " Date Last Active '' are contradictory within your own report and differ significantly from other bureaus. These pervasive inconsistencies clearly demonstrate that the furnisher 's data can not be trusted and TransUnion 's verification process is inadequate, violating FCRA 1681e ( b ) and 1681i. 

XXXX XXXX XXXX : This inquiry, dated XX/XX/XXXX, is directly linked to the disputed and unauthorized activity detailed in my FTC Identity Theft Report. Under FCRA 605B, TransUnion is required to block identity theft-related inquiries when proper documentation is submitted. Your failure to remove this inquiry is a continued violation. 

TransUnion 's conduct demonstrates a pattern of negligent and potentially willful noncompliance with federal law. Their investigative procedures are clearly unreasonable if such pervasive inconsistencies and previously disputed fraudulent items continue to appear, underscoring that their reliance on flawed furnisher data is perpetuating these errors. 

Based on the issues detailed above, TransUnion has committed the following violations of the Fair Credit Reporting Act ( FCRA ) : -FCRA 1681e ( b ) ( Maximum Possible Accuracy ) : Repeated failure to ensure that my credit file is reported with maximum possible accuracy, as evidenced by the numerous factual inconsistencies across accounts ( e.g., conflicting late payment dates for XXXX, varying account details for XXXX XXXX contradictory payment progressions for XXXX ). 

-FCRA 1681i ( Reasonable Reinvestigation ) : Failure to conduct a reasonable and independent reinvestigation of disputed information, instead blindly deferring to furnisher data even when it is demonstrably flawed or contradicts other bureau reporting.

-FCRA 605B ( Blocking of Identity Theft Information ) : Failure to block or permanently delete identity theft-related information ( XXXX account and XXXX XXXX XXXX XXXX within the mandated timeframe after receiving proper documentation. 

-FCRA 611 ( a ) ( 5 ) ( B ) ( Reinsertion Notice ) : Reinsertion of previously deleted information ( XXXX account ) without providing the required written certification of accuracy and notice.

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