Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
CFPB Complaint TransUnions Failure to Verify and Ongoing Harm To Whom It XXXX Concern : I am filing this complaint against TransUnion for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Florida Consumer Collection Practices Act ( XXXX, XXXX XXXX. XXXX ). 

For over XXXX years, I have repeatedly disputed a XXXX Bank tradeline with TransUnion because it is unverified and inaccurate. Despite providing documentation and multiple disputes ( most recently XX/XX/XXXX, see attached ), TransUnion continues to parrot XXXX  responses without conducting the reasonable investigation required by FCRA 611 ( 15 U.S.C. 1681i ). 

Instead of investigating, TransUnion simply reports back that the furnisher verified the debt without independent review of evidence. This violates both the letter and spirit of the FCRA, as established in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which held that CRAs can not rely solely on what the furnisher says ; they have a statutory duty to reasonably investigate and correct or delete inaccurate information. 

Key Violations : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain maximum possible accuracy. 

XXXX XXXX XXXX collection and reporting of unverified and inaccurate information in Florida. 

The CFPB has previously sanctioned TransUnion for systemic violations, including failing to comply with consent orders ( XXXX and XXXX ). This case shows that TransUnion is still ignoring statutory duties, allowing creditors to weaponize inaccurate reports in court cases, garnishments, and denials of credit, as has happened to me. 

The ongoing harm includes : Score suppression from reporting unverified negative data for 23 months. 

Loss of credit opportunities and higher interest costs. 

Emotional distress and reputational harm from inaccurate reports circulated nationally. 

Evidence is attached to this complaint that the account went through the FCRA dispute process from XX/XX/XXXX- XX/XX/XXXX and again in XXXX and both times the account was not verified. If the debt is not verified as required by FCRA guidelines it must be DELETED. The bureau, Transunion, was sent the evidence and chose to ignore it in subservience to XXXX Bank. This is a violation of FCRA and failure to conduct a " Reasonable Investigation ''. I have attached a FTC complaint against XXXX and filed a XXXX XXXX Complaint for systemic violations of the FCRA. At this moment, TransUnion is complicit, unless they delete the tradeline as required by law with the attached evidence from XXXX. XXXX has 10 days to correct or this and the other complaint will be sent to the XXXX XXXXXXXX and FTC XXXX for possibly a second consent order costing them $ $ $ $ XXXX SInce this is NOT the only account XXXX has failed to delete - Also XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( all accounts ), XXXX XXXX XXXXXXXX XXXX multiple FCRA violations for approximately XXXX or more accounts for almost 2 years x XXXX = ( XXXX ), plus statutory damages, and punitive damages all accounts should be deleted. 


XXXX failure to follow federal law is systemic, reckless, and abusive. I am escalating this complaint to the FTC, Florida Attorney General, and the Office of the Comptroller of the Currency to ensure accountability.

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