Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
I am filing this complaint to formally accuse TransUnion of gross negligence, reckless noncompliance, and willful violation of federal law under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681b ). My TransUnion credit file contains multiple false, inconsistent, and unverified accounts that have remained despite repeated disputes and legal notice proving that TransUnion has utterly failed to maintain the maximum possible accuracy required by federal statute. 

The following tradelines are at issue : XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Opened approximately XX/XX/XXXX, reported as charged-off with a balance of {$790.00}. The file contains conflicting dates of activity including a last payment of XX/XX/XXXX and last update of XX/XX/XXXX which is impossible under any logical or chronological standard. These discrepancies alone prove that TransUnions reporting and verification procedures are defective, unreliable, and noncompliant with 1681e ( b ). 

XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Opened approximately XX/XX/XXXX, reported as charged-off with a balance of {$1900.00}. The record displays conflicting information last payment XX/XX/XXXX and last update XX/XX/XXXX exposing the absence of any genuine verification or investigation. Despite multiple prior disputes, TransUnion continued to report this item without documentation, violating 1681i ( a ) ( 1 ) ( A ) by failing to conduct a reasonable reinvestigation within the 30-day statutory timeframe. 

XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Opened approximately XX/XX/XXXX, reported as charged-off with a balance of {$0.00}, but previously showing inconsistent high-credit amounts ( {$540.00} to {$1200.00} ) and contradictory comments such as charged off, transferred or sold, and purchased by another lender. These irregularities present across multiple bureaus prove that TransUnions data management and furnishing verification process is grossly unreliable and legally deficient.

TransUnions continued reporting of these accounts beyond the 30-day statutory deadline represents a direct and knowing violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires reinvestigation and resolution within 30 days of a consumer dispute. The bureau not only failed to meet this legal deadline but also failed to provide any supporting documentation from the furnishers no signed applications, no billing statements, and no permissible-purpose validation under 1681b.

This pattern of negligence demonstrates a systemic disregard for consumer rights and an apparent reliance on automated e-Oscar templates instead of human investigation, which the courts have repeatedly ruled insufficient to satisfy the FCRAs reasonable reinvestigation standard. 

As a result, TransUnions actions have caused substantial and ongoing harm including credit denials, inflated interest rates, reputational damage, and emotional distress. Each day these inaccurate items remain constitutes continued publication of false and defamatory information, for which TransUnion is legally liable under 1681n and 1681o for statutory, compensatory, and punitive damages.

TransUnion has had ample time and legal notice, yet chose willful noncompliance. Its failure to act within the lawful 30-day window is not a clerical oversight it is a blatant violation of federal law and will be treated as such.

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