Consumer complaint received 2025-11-16 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:
I am filing this complaint because TransUnion has failed for over XXXX months to verify ANY of the accounts I have been disputing, despite me disputing every XXXX  days. This gives TransUnion XXXX  days to investigate and XXXX days for mail and processing. 
Not one page of verification has ever been provided.

All I receive is a copy of my credit report and stall letters falsely claiming I am working with a third party, which is NOT verification under the FCRA 1681i ( a ) or 1681e ( b ). 
Below are the individual problems with each account : A. XXXX Late Payment Acct # XXXX {$0.00} Balance A late payment can not be reported unless the furnisher provides : The actual due date The date payment was received The date payment was posted Full payment ledger DOFD This account shows a past-due/late status with a {$0.00} balance, which is hearsay without supporting payment records. TransUnion provided no payment history and no verification. 
B. XXXX XXXX XXXX VERSIONS OF THE SAME DEBT XXXX {$1600.00} Collection XXXX {$1600.00} Collection XXXX {$1600.00} XXXX XXXX  is reporting XXXX XXXX XXXX XXXX  account XXXX different ways, under XXXX different names and XXXX different account numbers. This violates : FCRA 1681e ( b ) accuracy FCRA 1681i ( a ) reinvestigation FDCPA 1692e ( 2 ) false representation FDCPA 1692g ( b ) continued collection without validation Metro-2 one account = one tradeline To verify a collection, XXXX  and TransUnion must provide : The original XXXX  XXXX contract Full payment ledger Itemized balance calculation Chain of title ( ownership proof ) DOFD Metro-2 codes None of this was provided. 
XXXX XXXX ( XXXX XXXX XXXX ) Acct # XXXX {$830.00} Medical Collection This is a medical debt, and TransUnion must obtain HIPAA-compliant validation, including : Original billing statement XXXX  codes Dates of service Proof of assignment to XXXX  DOFD XXXX XXXX XXXX of this was provided. No documentation at all. 
XXXX XXXX XXXX XXXX XXXX XXXX Different Names, Same Acct # XXXX {$290.00} Charge-Off TransUnion is reporting this twice, under XXXX different names. 
To verify a charge-off, TransUnion must obtain : Original contract Full payment history Charge-off date and ledger Balance calculation DOFD Ownership documents if transferred None of this has been provided in XXXX months. 
XXXX XXXX XXXX XXXX XXXX DIFFERENT CHARGE-OFFS Acct # XXXX {$950.00} Charge-off Acct # XXXX {$780.00} Charge-off Both charge-offs require : Contract Payment ledger Charge-off calculation DOFD Metro-2 fields TransUnion and First Premier have provided no documentation at all. 
XXXX XXXX XXXX Acct # XXXX {$1000.00} Charge-Off Same issue : no contract, no ledger, no DOFD, no Metro-2 verification .

A charge-off can not be verified without these documents. 
XXXX XXXX Acct # XXXX {$260.00} Charge-Off Again : no contract, no payment history, no charge-off breakdown, no DOFD, no verification. 
XXXX XXXX  Acct # XXXX {$0.00} Charge-Off A {$0.00} balance charge-off can not legally report without : Contract Ledger Charge-off documentation XXXX TransUnion has none of this. 
LEGAL VIOLATIONS BY TRANSUNION TransUnion has violated : FCRA 1681i ( a ) failure to reinvestigate 1681e ( b ) failure to maintain maximum accuracy 1681s-2 ( b ) failure of furnishers to verify disputed info FDCPA ( for collection accounts ) 1692g ( b ) continued collection without validation 1692e false/misleading representations Metro-2 Duplicate reporting Missing DOFD Missing status codes Inconsistent balances Mixed data across furnishers TransUnion has not obtained one legally required document in over six months.

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