Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
TransUnion Violated FCRA 609, 611, 623 & 1681b Ignored Cease-and-Desist, Exceeded 30-Day Limit, and Failed to Verify or Delete XXXX XXXX XXXX Tradeline ( Ref # XXXX ) This complaint concerns TransUnions failure to conduct a lawful reinvestigation and verify the XXXX XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) following my earlier dispute and CFPB case ( # XXXX ). 

I previously disputed this account, and CFPB case # XXXX was opened. TransUnion took nearly 60 days to respond well beyond the 30-day statutory limit under 611 ( a ) ( 1 ) ( A ) and then closed the case with the false claim that my request did not come from me. I personally submitted the dispute, provided valid identification, and TransUnion had already authenticated my identity from previous filings.

This was a bad-faith attempt to avoid statutory obligations under the Fair Credit Reporting Act ( FCRA ).

The account in question remains inaccurate, incomplete, and unverifiable. I am only an authorized user, yet TransUnion continues to report me as liable. The tradeline simultaneously reflects a charge-off while showing a balance of {$830.00}, and no payment history is attachedmaking the data inherently contradictory.

TransUnions conduct violates the following federal provisions : 1681b ( a ) : No proof of permissible purpose or legal authority for continued furnishing.

609 ( a ) ( 1 ) : No disclosure of the source or supporting documentation relied upon to verify the tradeline.

611 ( a ) ( 1 ) ( A ) : No reasonable reinvestigation was performed ; merely parroting the furnishers data is unlawful ( see Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) ).

611 ( a ) ( 5 ) ( A ) : Once information can not be verified, it must be deleted within four ( 4 ) business days.

623 ( a ) ( 1 ) ( A ) : Furnishers can not continue to report inaccurate or misleading data.

623 ( a ) ( 3 ) : Failure to mark the item as disputed by consumer.

TransUnion also ignored my cease-and-desist directive, continuing to publish the disputed tradeline and negative data in active circulation. This disregard constitutes willful and negligent non-compliance under 616617 FCRA and violates FDCPA 1692c ( c ).

As an active-duty servicemember, unauthorized access and inaccurate reporting further infringe upon protections under the Servicemembers Civil Relief Act ( 50 U.S.C. 39014043 ) and Military Lending Act ( 10 U.S.C. 987 ).

Resolution Immediate deletion of the XXXX XXXX XXXX tradeline within four ( 4 ) business days under 611 ( a ) ( 5 ) ( A ) due to unverifiable and contradictory information.

Written confirmation that TransUnion has permanently removed the tradeline and ceased furnishing it to third parties.

Proof of any verification process conducted including the name, title, and contact of the person or department that verified the account.

Official acknowledgment that TransUnion failed to comply with the cease-and-desist order and military protections, and that the continued reporting was unlawful.

Cease any future furnishing, reinsertion, or publication of this tradeline without original documentation and my written consent.

The law is explicit : if information can not be verified, it must be deleted within 4 business days. TransUnion has willfully ignored this rule, my prior dispute, and my servicemember protections. I am requesting the CFPB enforce immediate deletion of this tradeline and hold TransUnion accountable for continued non-compliance and procedural violations.

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