Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this follow-up complaint regarding Transunions inadequate response to my previous dispute concerning the XXXX XXXX XXXX XXXX account ( XXXX ) on my credit report. Transunion responded to my initial CFPB complaint by stating they had " VERIFIED AS REPORTED '' the disputed Credit First account. This response demonstrates a failure to properly investigate and address the conclusive evidence I provided showing that this information CAN NOT BE VERIFIED as accurate. 

WHY THIS INFORMATION CAN NOT BE VERIFIED The account information on my credit report contains fundamental contradictions that make it IMPOSSIBLE TO VERIFY as accurate : Different Opening Dates : The account opening date is reported as XX/XX/year> on TransUnion but as XX/XX/year> on XXXX An account can only be opened once, on XXXX specific date. These contradictory dates prove conclusively that this information CAN NOT BE VERIFIED because at least one version must be falseand possibly both are. Contradictory Financial Information : High Credit : {$5200.00} on TransUnion vs. {$0.00} on XXXX Last Active Date : XX/XX/year> on TransUnion vs. XX/XX/year> on XXXX XXXX XXXXXX/XX/year> on XXXX  These values CAN NOT BE VERIFIED as accurate because they directly contradict each other. An account can not simultaneously have {$0.00} and {$5200.00} as its high credit, nor can it be " last active '' on three different dates. Legal Standard Not Met : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681i ], credit reporting agencies must remove information that CAN NOT BE VERIFIED as accurate. Since these contradictions make verification logically impossible, Transunion was legally required to remove this information, not claim it was " verified. '' WHY Transunions INVESTIGATION WAS IMPROPER The investigation was fundamentally flawed and violated FCRA requirements : Failed to Address Inability to Verify : Transunion claimed they " verified '' information that is logically IMPOSSIBLE TO VERIFY due to the contradictions across bureaus. No legitimate investigation could possibly conclude that contradictory information is simultaneously accurate. Ignored Documentary Evidence : My complaint included documentary evidence showing the contradictions that make this information IMPOSSIBLE TO VERIFY. Transunion disregarded this evidence in their response. Failed to Apply the Correct Legal Standard : The FCRA requires removal of information that CAN NOT BE VERIFIED. Transunion incorrectly applied a standard of simply accepting the furnisher 's claim without resolving the verification impossibility created by the contradictions.

Disregarded Identity Theft Protocols : After receiving my FTC Identity Theft Report, XXXX failed to follow the mandatory procedures required by Section 605B of the FCRA, which requires blocking information resulting from suspected identity theft within 4 business days. The initial information for this account reported for over a year contained contradictions that make it IMPOSSIBLE TO VERIFY as legitimately belonging to me. Yet Transunion has not only failed to block this information within the required 4-day timeframe but has actually claimed they " verified '' information that contains fundamental logical impossibilities. Transunions actions represent willful non-compliance with multiple sections of the FCRA : Violation of Section 611 [ 15 U.S.C. 1681i ] by failing to remove information that CAN NOT BE VERIFIED as accurate Violation of Section 605B [ 15 U.S.C. 1681c-2 ] by failing to block disputed information within 4 business days after receiving my FTC Identity Theft Report Continued unlawful reporting of disputed information that CAN NOT BE VERIFIED as accurate This pattern of non-compliance despite receiving both a CFPB complaint and an FTC Identity Theft Report demonstrates XXXX XXXX disregard for their legal obligations under the FCRA.

Furthermore I have attached evidence that XXXXXXXX has since deleted the account, further supporting Transunions failure to comply with the above stated laws.

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