Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with FCRA and XXXX XXXX Standards Summary of Complaiint : I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX and TransUnion for their ongoing, willful, and retaliatory failure to comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data reporting standards. Despite receiving formal deletion demands from XXXX XXXX XXXX on XX/XX/XXXX, following PNCs failure to verify the disputed account under FCRA XXXX ( a ), all three credit bureaus continue to publish derogatory tradelines. 

This behavior reflects complicity between the furnishers and the CRAs, as the bureaus have failed to suppress or delete the account despite clear evidence of unverifiability, legal representation, and procedural violations. The harm is ongoing, blatant, and in direct violation of federal and Florida consumer protection laws. 

Violations and Exposure : XXXXXXXX XXXX XXXX XXXX XXXXRA XXXX ( b ) : Failed to conduct a reasonable investigation after receiving notice of dispute from both consumer and legal counsel. 

FDCPA XXXX : Continued furnishing of misleading charge-off data and monthly re-aging despite account closure in XXXX. 

Florida Deceptive and Unfair Trade Practices Act ( XXXX ) : Engaged in deceptive reporting practices that caused financial harm and reputational damage. 

XXXX XXXX XXXX : FCRA XXXX ( a ) ( XXXX ) ( A ) : Failed to delete unverifiable information after expiration of the reinvestigation window. 

FCRA XXXX ( b ) : Negligent failure to ensure maximum possible accuracy in reporting. 

XXXX XXXX Violations : Improper use of status codes, failure to suppress disputed tradelines, and monthly re-aging of closed accounts. 

XXXX XXXX and Credit File Violations : The XXXX XXXX  account has been reported with XXXX consecutive derogatory months across XXXX XXXX XXXXnd TransUnion. These include : XXXX : 4 months of escalating delinquency ( 30150 days past due ) XXXX : 19 months of repeated CO ( Charge-Off ) status updates despite closure and legal dispute This pattern violates XXXX XXXX XXXX for aging, suppression, and dispute handling. The account was closed in XX/XX/XXXX, yet continues to be updated monthly as if newly delinquentconstituting data aging manipulation and retaliatory suppression. 

Supporting Documentation : Elite Legal Practice Deletion Letters ( XX/XX/XXXX ) Credit Reports from XXXX XXXX  and TransUnion ( XX/XX/XXXX ) CFPB Complaint Timeline ( XXXX XXXX ) Attorney Representation Notices and Cease & Desist Communications Legal Precedents Consumer Wins : Against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX held liable for procedural misconduct and failure to validate consumer claims. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX prevailed in claims over fiduciary breaches and deceptive account XXXX. 

XXXX CRAs XXXX v. TransUnion : CRAs must conduct meaningful reinvestigations and can not rely solely on furnishers. 

XXXX XXXX XXXX, XXXX : Continued furnishing of inaccurate data post-dispute is actionable. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) : Reinsertion and continued updates without verification violate FCRA duties. 

XXXXXXXX XXXX XXXX XXXX  CRAs share liability when legal demands are ignored and inaccurate data persists. 

Regulatory Escalation : All documents have been forwarded to : Florida Attorney XXXX XXXX, which is actively investigating CRAs for sham reinvestigations and complicity with furnishers XXXX Bank XXXX, for review of PNCs systemic failure to validate and suppress disputed accounts FCRA Legal Counsel, who is reviewing all materials for potential enforcement under FCRA XXXX and XXXX

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