Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Summary I am filing this complaint against TransUnion, LLC for violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and consumer data protection obligations.

1. Failure to Validate Debt TransUnion continues to report collection accounts allegedly from XXXX XXXX  and XXXX XXXX XXXX  despite my multiple disputes. 
Pursuant to 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable investigation when a consumer disputes the accuracy of an item.

No documentation or proof of debt ownership/validation has been provided to me or the CFPB despite repeated requests.

By continuing to report unverifiable debt, TransUnion is in violation of the FCRA and enabling potential FDCPA violations.

2. Failure to Provide Proof of Investigation Each dispute I filed has been met with generic responses rather than providing actual documentation.

This violates 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires the furnisher/CRA to provide the consumer with the method of verification.

3. Data Breach/ Compromise of Personal Information I have now been informed of a TransUnion data breach where my social security number, date of birth, and other personal identifiers were compromised.

This is a serious violation of TransUnions duty to protect consumer data and constitutes negligence and breach of trust.

Under FCRA 15 U.S.C. 1681b and 1681c, CRAs must safeguard consumer information. The exposure of my personal data subjects me to identity theft and financial harm.

Requested Resolution 1. Immediate Deletion of all unverifiable collection accounts, specifically those from XXXX XXXX and XXXX XXXX XXXX. 
2. Written Verification of the investigation process and documentary evidence supporting any item TransUnion intends to continue reporting.

3. Accountability for Data Breach I request CFPB take action against TransUnion for failing to protect consumer data, and require them to provide me with credit monitoring, identity theft protection, and remediation.

4. Compliance with Federal Law TransUnion should be compelled to fully comply with all provisions of the FCRA, FDCPA, and data security standards, and face enforcement action for repeated violations.

Supporting Citations 15 U.S.C. 1681i ( a ) Duty to conduct reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Duty to maintain reasonable procedures to assure maximum possible accuracy of consumer information.

15 U.S.C. 1681b Permissible purposes of consumer reports and safeguarding consumer information.

15 U.S.C. 1692g ( FDCPA ) Right to request debt validation.

15 U.S.C. 1681c-1 Protection of consumer information and response obligations

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