Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding ongoing violations by the consumer reporting agenciesXXXX XXXX  and TransUnionfor their repeated and unlawful reporting of an account placed by XXXX XXXX XXXX without having conducted any lawful investigation or requiring proper legal validation from the furnisher. Despite formal disputes sent to each bureau and the absence of any response from XXXX XXXX that satisfies federal law, all three credit reporting agencies continue to report the account each month, compounding the damage. 

To date, no credit bureau has provided me with the legally required results of an actual investigation under 15 U.S.C. 1681i ( a ). The agencies have failed to remove the account or obtain documentation sufficient to constitute a lawful reinsertion or verification. The credit bureaus are required to delete any account that remains unvalidated or unverifiable, especially after being put on notice that it is disputed and that the furnisher has failed to respond with legally required proof. Furthermore, they have continued to report this item without reflecting its disputed status, which constitutes a separate violation. 

This misconduct is part of a broader pattern confirmed by court decisions and federal enforcement actions, including Gillespie v. TransUnion Corp., 482 F.3d 907 ( XXXXXXXX XXXX XXXX ), where the court held that failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ), and the XXXX CFPB enforcement action againsXXXX XXXX XXXX XXXX, which emphasized that credit bureaus have a duty to investigate and block unverifiable items under 15 U.S.C. 1681s-2 ( b ). The consistent failure to conduct legitimate investigations, while continuing to furnish data provided by a non-responding third-party debt collector, places the agencies in direct violation of federal law. 

Each month this inaccurate account is reported to each CRA constitutes multiple cumulative violations. As of today, the account has been reported for at least 18 months. This equals a minimum of 54 cumulative FCRA violations per statute below : 54 cumulative violations under 15 U.S.C. 1681s-2 ( b ) ( failure to verify before furnishing ) 54 cumulative violations under 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures ) 54 cumulative violations under 15 U.S.C. 1681i ( a ) ( failure to reinvestigate disputed information ) 54 cumulative violations under 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( failure to report account as disputed ) 54 cumulative violations under FCRA 1681n ( willful noncompliance ) 54 cumulative violations under FCRA 1681o ( negligent noncompliance ) In addition, I am seeking common law damages for emotional distress, credit denials, blocked housing opportunities, and economic harm resulting from these unlawful reports. Each bureau has enabled the continued damage of my credit reputation by knowingly publishing unverified data. 

The cumulative violations entitle me to seek statutory damages of up to {$1000.00} per violation, per bureau, plus actual and punitive damages, attorneys fees, and any applicable state-level consumer protection penalties. Based on current evidence, the minimum amount of statutory damages due exceeds {$54000.00} per bureau, and I reserve the right to amend these amounts if further CRAs are found to be reporting this account via the CFPB 's published list of nationwide and specialty reporting agencies.

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