Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
I, submit this formal complaint against XXXX TransUnion, and Experian for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated time frame, failure to provide verification details upon request, and failure to validate debt prior to reporting. Background & Violations My credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, these Bureaus have removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of 15 U.S.C. 1692g ( a ) and ( b ). Furthermore, I sent a certified dispute letter to all three credit bureaus requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than 15 days passing, I have not received any response or documentation from any of the bureaus, which constitutes an additional violation of federal consumer protection laws, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within the required 30-day period. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy. 15 U.S.C. 1692g ( a ) ( 4 ) : Failure to provide verification of debt, including original contracts and signatures, upon request. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide specific details on dispute findings. Related Lawsuits & CFPB Actions The CFPB has actively taken enforcement actions against the credit bureaus for similar violations, further demonstrating a pattern of noncompliance. These legal precedents reinforce the validity of my complaint : Experian XXXX ( XX/XX/XXXX ) : The CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes regarding credit report inaccuracies. The lawsuit alleged that Experian allowed erroneous information to reappear on reports, impacting consumers ' credit, employment, and housing access. The CFPB seeks to halt Experian 's misconduct, provide redress, and impose penalties. TransUnion Settlement ( XX/XX/XXXX ) : The CFPB, alongside the FTC, reached a {$15.00} XXXX settlement with TransUnion and its subsidiary, TransUnion XXXX XXXX XXXX XXXX XXXX, for failing to ensure the accuracy of tenant screening reports. The agency charged that TransUnions inaccuracy potentially hindered consumers ' ability to secure housing. TransUnion agreed to pay {$11.00} XXXX in restitution and a {$4.00} XXXX civil penalty and implement enhanced accuracy measures. XXXX XXXXXXXX ( XX/XX/XXXX ) : The CFPB filed a major lawsuit against XXXX for repeated violations of the FCRA and deceptive practices that misled consumers regarding credit report accuracy. The lawsuit highlighted that XXXX  knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper consumer notification. The CFPB is seeking financial penalties, injunctive relief, and systemic reforms to prevent future violations. These actions underscore the CFPBs commitment to enforcing the FCRA and ensuring that consumer reporting agencies uphold their obligations. My case mirrors these past violations, and I urge the CFPB to take similar action against XXXX, TransUnion, and Experian. Fraudulent Accounts & Unauthorized Reinsertions Disputed Account Details and Demands XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations : FCRA 1681e ( b ) ,1681i ( a ) ,1681g,1681s2 ( b ) ,1681i ( a ) ( 5 ) ( B ) ,1681c ( a ) ; FDCPA 1692g ( a ) ,1692g ( b ) ,1692e ( 8 ) ,1692d ; GLBA 6801 ( b ) ,6802 ( a ) ; Metro2 errors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent blocking under FCRA1681c2 ; flagged as Dispute XXXX ; full automated suppression. XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Violations : FCRA 1681e ( b ) ,1681i ( a ) ,1681g,1681s2 ( b ) ,1681i ( a ) ( 5 ) ( B ) ,1681c ( a ) ; FDCPA 1692g ( a ) ,1692g ( b ) ,1692e ( 8 ) ,1692d ; GLBA 6801 ( b ) ,6802 ( a ) ; Metro2 errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand : Immediate deletion and permanent removal of all late payments under FCRA1681c2 ; flagged Dispute XXXX Payment History Dispute ; activate structured automation logic. XXXX XXXX XXXXE Account Number : XXXX Violations : FCRA 1681e ( b ) ,1681i ( a ) ,1681g,1681s2 ( b ) ,1681i ( a ) ( 5 ) ( B ) ,1681c ( a ) ; FDCPA 1692g ( a ) ,1692g ( b ) ,1692e ( 8 ) ,1692d ; GLBA 6801 ( b ) ,6802 ( a ) ; Metro2 errors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate deletion and permanent removal of all late payments under FCRA1681c2 ; flagged Dispute Code106Late Payment History Dispute ; activate structured automation logic. XXXX. XXXX BANKRUPTCY COURT Violations : FCRA 1681e ( b ) ,1681i ( a ) ,1681g,1681s2 ( b ) ,1681i ( a ) ( 5 ) ( B ) ,1681c ( a ) ; FDCPA 1692g ( a ) ,1692g ( b ) ,1692e ( 8 ) ,1692d ; GLBA 6801 ( b ) ,6802 ( a ) ; Metro2 errors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the immediate deletion of the bankruptcy public record reported solely by TransUnion under reference number XXXX, filed on XX/XX/XXXX and marked as settled/discharged on XX/XX/XXXX. This entry is incomplete, unverified, and materially misleading. It lacks required identifying details such as status confirmation, liability amount, remarks, and verified court information. It is not corroborated by Experian XXXX XXXX, which strongly suggests that TransUnion has failed to meet its burden of accuracy and verification as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Furthermore, under FCRA 1681i ( a ), any unverified or incomplete information must be removed if it can not be fully validated within the statutory reinvestigation period. Additionally, this reporting violates XXXX XXXX XXXX XXXX XXXX, which prohibits unfair or deceptive practices in commerce, and XXXX XXXX, which governs the accuracy and handling of consumer debt records. TransUnions continued inclusion of this outdated and incomplete record, without full legal context, constitutes a deceptive and harmful practice, unfairly damaging my ability to secure credit and misrepresenting my financial profile. There is no legitimate reason for this record to remain on my credit file, as it is not being reported by other major bureaus and does not reflect any active or collectible obligation. I therefore demand that TransUnion permanently remove this entry from my credit report. Should this not be completed within the 30-day window allowed by FCRA 1681i ( a ) ( 1 ), I am prepared to escalate this dispute through a formal complaint to the Consumer Financial Protection Bureau , the XXXX XXXX Department of Justice XXXX and take appropriate legal action if necessary. XXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ) ,1681i ( a ) ,1681g,1681s2 ( b ) ,1681i ( a ) ( 5 ) ( B ) ,1681c ( a ) ; FDCPA 1692g ( a ) ,1692g ( b ) ,1692e ( 8 ) ,1692d ; GLBA 6801 ( b ) ,6802 ( a ) ; Metro2 errors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am formally demanding the immediate and permanent deletion of the public record bankruptcy entry reported by Experian, referencing XXXX Bankruptcy Court XXXX XXXXXXXX, filed on XX/XX/XXXX, discharged on XX/XX/XXXX, under reference number XXXX. This record is materially flawed, incomplete, and unverifiable as presented. It lists a liability amount as UNKNOWN, includes no remarks or legal context, and is not reported by TransUnion or XXXX, further suggesting inconsistent or unverifiable sourcing. Reporting this fragmented and unsupported entry violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to maintain only information that is complete, accurate, and up-to-date. It also raises questions under FCRA 1681i ( a ) regarding whether proper reinvestigation and verification procedures were ever followed. If Experian can not provide verified documentation from the original court source with complete and accurate dataincluding liability, outcome, and clear notation of dischargethen this entry must be immediately removed. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is illegal to knowingly report misleading, unverified, or deceptive information regarding a consumers financial status. Listing a federal bankruptcy record with vague or missing financial information, without explanation or legal context, constitutes a deceptive trade practice under XXXX XXXX law. Further, the continued appearance of this discharged public recordnearly XXXX years after the factwithout full legal identifiers or remarks such as discharged in full with no ongoing liability, is both prejudicial and incomplete, potentially leading to denials of credit, housing, or employment. Accordingly, I demand that Experian remove this record in its entirety, pursuant to your obligations under both FCRA 1681i ( a ) and XXXX XXXX law. Failure to remove this entry will result in immediate escalation, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX Department of Justice, and any legal action necessary to compel compliance and protect my rights. Demands for XXXX XXXX Removal and Blockage : Remove and block all fraudulent accounts and unauthorized inquiries from my credit file across all three bureaus. Ensure that these accounts and inquiries are not reinserted without proper validation as required under 15 U.S.C. 1692g ( b ). Written Confirmation : Provide written confirmation of the removal of these accounts and inquiries along with updated copies of my credit reports. Thorough Investigation : Conduct a full investigation into how these fraudulent accounts and inquiries were recorded without my consent. Provide findings in writing, including all requested verification details, such as contracts and signatures. Compliance with Identity Theft Protections : Implement fraud alerts and provide me with identity theft resources as mandated under 15 U.S.C. 1681g ( e ). The continued noncompliance by XXXX TransUnionXXXX and Experian has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against these credit bureaus for similar misconduct, I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations. Your intervention is necessary to ensure these Bureaus are held accountable and that my credit report is permanently corrected.

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 explanation