Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
Subject : Final Notice Unresolved Dispute Violations and Failure to Provide Method of Verification ( FCRA 1681i, 1681e, Cushman v. TransUnion ) Complaint Summary : Dear CFPB, This is a final supplemental complaint concerning TransUnions ongoing noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically : 1681i ( a ) : Failure to conduct a reasonable reinvestigation ; 1681i ( a ) ( 7 ) : Failure to provide a description of the Method of Verification ( MOV ) ; 1681e ( b ) : Failure to maintain maximum possible accuracy ; 1681i ( a ) ( 5 ) : Failure to delete unverifiable or inaccurate information ; Cushman v. TransUnion Corp., 115 F.3d 220 ( XXXX XXXX. XXXX ) : Established that CRAs must do more than merely forward disputes to furnishersthey must conduct an independent and reasonable investigation. 

Chronology of Events : I initially submitted formal disputes via certified mail on XX/XX/XXXXXXXX  and again on XX/XX/XXXXXXXX  to TransUnion concerning multiple inaccurate tradelines. 

TransUnion acknowledged receipt but failed to provide documentation verifying the information or outlining the method of verification ( MOV ) as required by law. 

On XX/XX/XXXX, TransUnion closed the complaint ( CFPB ref. XXXX ) with a generic explanation requesting clarification, despite having already received detailed dispute letters and supporting documentation. 

Accounts in Dispute ( with Inconsistencies Across CRA Reports ) : XXXX XXXX Account # XXXX All 3 CRAs reflect 30-day delinquencies from XXXX. 

Dispute involved differences in how many delinquencies were reported and the lack of uniformity in timeline. 

No MOV or documentation was provided despite repeated requests. 

XXXX  XXXX Account # XXXX Late payments inconsistently reported, impacting payment history and risk scoring. 

Despite requests, TransUnion failed to reconcile or provide verification documentation. 

XXXX XXXX Account # XXXX Status : Paid in settlement. 

Charge-off and rolling delinquencies continue to report beyond the settlement, suggesting re-aging in violation of FCRA 605 ( a ) ( 4 ) - ( 5 ). 

CRA failed to reconcile discrepancies with XXXX  and XXXX or provide MOV. 

XXXX XXXX Account # XXXX Status : Closed, {$8100.00} written off. 

Remarks : " Purchased by another lender. '' Inconsistent date of first delinquency and conflicting charge-off timelines across CRAs. 

XXXX XXXX XXXXXXXX Account XXXX XXXX TransUnion reports Paid, Closed ; was Paid as agreed with late payments in XXXX. 

XXXX XXXX XXXX  list 30/60/90-day lates and closure by credit grantor. 

Conflicting derogatory history has not been explained or verified. 

XXXX XXXX Department of Education Student Loans ( 9 tradelines ) XXXX  deleted all 9 tradelines as unverifiable. 

TransUnion and XXXX still report the accounts with no supporting evidence, constituting a serious violation of FCRA 1681i and 1681e ( b ).

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