Consumer complaint received 2025-08-17 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: TN

Complaint narrative:
TRANSUNION : I am filing this formal complaint against TransUnion LLC for failing to conduct a reasonable investigation of disputed information on my credit report, in violation of the FCRA. 
Background On XX/XX/XXXX, I sent TransUnion a detailed, notarized dispute letter via certified mail regarding inaccurate items : XXXX XXXX XXXX XXXX XXXX Mortgage : Inaccurate XXXX late payment reported for XX/XX/XXXX. Requested removal. 
XXXX XXXX XXXX Account : Disputed validity and accuracy. Demanded proof of debt, original creditor documentation, verification of amount, and payment history. 
Six Unauthorized Hard Inquiries : XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with most of these companies. I demanded a proper investigation beyond automated verification, citing Johnson v. MBNA America Bank, N.A., 357 F.3d 426 ( 4th Cir. 2004 ). On XX/XX/XXXX, I sent a follow-up dispute letter via certified mail. On XX/XX/XXXX, I mailed this complaint via certified mail ( Tracking Number : XXXX ). 
TransUnion 's Response On XX/XX/XXXX, TransUnion provided an automated response with no evidence of human review : Requested identification already provided on XX/XX/XXXX. 
No evidence of investigation. 
No documentation of contact with furnishers. 
No explanation of process or evidence reviewed. 
Claimed " verified '' unauthorized inquiries without basis.

FCRA Violations Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : No contact or documentation ; rubber-stamped as verified.

Failure to Provide Investigation Details ( 15 U.S.C. 1681i ( a ) ( 7 ) ) : No description of procedure or verification evidence.

Failure to Follow Reasonable Procedures for Accuracy ( 15 U.S.C. 1681e ( b ) ) : Continued reporting of inaccurate information. 

Suspicious Patterns Ignored XXXX XXXX accounts : Opened XX/XX/XXXX, in collection by XXXXXXXX XXXXunusual timeline suggesting error or fraud. No documentation provided. 
Inquiries : Multiple on same dates ( e.g., XX/XX/XXXX ) indicate identity theft ; ignored. 

Impact Damaged credit score, higher interest rates, credit denialsthousands in financial loss since XX/XX/XXXX. 
Time and stress from resolution efforts since XX/XX/XXXX. 
Ongoing identity theft concerns. 

EQUIFAX : I am filing this formal complaint against Equifax Information Services LLC for failing to conduct a reasonable investigation of disputed information on my credit report, in violation of the FCRA. 
Background On XX/XX/XXXX, I sent Equifax a comprehensive, notarized dispute letter via certified mail regarding inaccurate items. On XX/XX/XXXX, I sent a follow-up dispute letter via certified mail. On XX/XX/XXXX, I mailed this complaint via certified mail ( Tracking Number : XXXX ). 
The Items I Disputed Two XXXX XXXX Revolving Accounts : Both showing inaccurate 90-day late payment reported in XX/XX/XXXX. Requested removal. 
Four Unauthorized Hard Inquiries : XXXX XXXX CARD SER : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX BANK XXXX : XX/XX/XXXX I never applied for credit with these companies. Demanded strict proof of permissible purpose under 15 U.S.C. 1681b and proper investigation beyond automated verification, citing Johnson v. MBNA America Bank, N.A., 357 F.3d 426 ( 4th Cir. 2004 ). 
Equifax 's Response On XX/XX/XXXX, Equifax provided a computer-generated response with no evidence of human review : Requested identification already provided on XX/XX/XXXX. 
No evidence of investigation or verification. 
No documentation of contact with furnishers. 
No explanation of verification process. 
Claimed " verified '' unauthorized inquiries without basis. 

FCRA Violations Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : No contact or documentation ; rubber-stamped as verified.

Failure to Provide Investigation Details ( 15 U.S.C. 1681i ( a ) ( 7 ) ) : No description of procedure or evidence reviewed.

Failure to Follow Reasonable Procedures for Accuracy ( 15 U.S.C. 1681e ( b ) ) : Continued reporting of inaccurate information. 

Suspicious Patterns Ignored Inquiries : Multiple on same dates ( XX/XX/XXXX and XX/XX/XXXX ) suggest identity theft ; ignored. 

Impact Damaged credit score, higher interest rates, credit denialsfinancial loss since XX/XX/XXXX. 
Time and stress from resolution efforts since XX/XX/XXXX. 
Ongoing identity theft concerns. 

EXPERIAN : I am filing this formal complaint against Experian Information Solutions , Inc. for failing to conduct a reasonable investigation of disputed information on my credit report, in violation of the FCRA. 
Background On XX/XX/XXXX, I sent Experian a comprehensive, notarized dispute letter via certified mail regarding inaccurate items. On XX/XX/XXXX, I sent a follow-up dispute letter via certified mail. On XX/XX/XXXX, I mailed this complaint via certified mail ( Tracking Number : XXXX ). 
The Items I Disputed Two XXXX XXXX Collection Accounts : Both showing status " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. '' Disputed validity and accuracy. Demanded proof of debt, original creditor documentation, verification of amount, and payment history. 
Three Unauthorized Hard Inquiries : XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I never applied for credit with these companies. Demanded strict proof of permissible purpose under 15 U.S.C. 1681b and proper investigation beyond automated verification, citing Johnson v. MBNA America Bank, N.A., 357 F.3d 426 ( 4th Cir. 2004 ). 
Experian 's Response On XX/XX/XXXX, Experian provided a computer-generated response with no evidence of human review : Requested identification already provided on XX/XX/XXXX. 
No evidence of investigation. 
No documentation of contact with furnishers. 
No explanation of process or evidence reviewed. 
Claimed " verified '' unauthorized inquiries without basis. 

FCRA Violations Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : No contact or documentation ; rubber-stamped as verified. 
Failure to Provide Investigation Details ( 15 U.S.C. 1681i ( a ) ( 7 ) ) : No description of procedure or verification evidence.

Failure to Remove Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Failed to delete unverifiable inquiries.

Suspicious Patterns Ignored Inquiries : Dates suggest potential identity theft ; ignored. 

Impact Damaged credit score, higher interest rates, credit denialsfinancial loss since XX/XX/XXXX. 
Time and stress from resolution efforts since XX/XX/XXXX. 
Ongoing identity theft concerns.

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