Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I previously disputed inaccurate accounts and personal information with TransUnion and requested verification under the Fair Credit Reporting Act ( FCRA ). TransUnion failed to conduct a proper investigation, verified accounts as accurate without providing the legally required Method of Verification ( MOV ), refused to delete unverified accounts, and updated account information without my permission. 

XXXX. Failure to Conduct a Proper Investigation Violation of FCRA 611 ( a ) ( 1 ) TransUnion did not conduct a reasonable investigation into my dispute. Instead of thoroughly reviewing the evidence I provided, they simply marked my accounts as verified as reported without any explanation. 
An investigation under the FCRA requires more than just contacting the furnisher. It must ensure that the information is accurate, complete, and verifiable. TransUnion failed to meet this requirement. 
XXXX. Failure to Provide a Proper Method of Verification ( MOV ) Violation of FCRA 611 ( a ) ( 7 ) I specifically requested the MOV for the accounts TransUnion claimed to have verified, yet they did not provide it. 
TransUnion is required to disclose the specific source of verification, including : Who they contacted What documentation was used to verify the accounts How the disputed information was found to be accurate Instead of providing this legally required information, TransUnion only provided the creditors name and address, which does NOT constitute an adequate MOV under the FCRA. 
XXXX. Failure to Ensure Maximum Possible Accuracy Violation of FCRA 607 ( b ) The accounts that TransUnion " verified '' contain inconsistent and conflicting information compared to XXXX and XXXX. 
Inconsistencies include : Different balances and payment histories across bureaus Different Dates of First Delinquency ( DOFDs ) Accounts showing different charge-off dates and removal dates FCRA 607 ( b ) requires TransUnion to ensure the highest level of accuracy in reporting. These discrepancies prove that TransUnion did not verify my accounts correctly. 
XXXX. Failure to Delete Unverified Information Violation of FCRA 611 ( a ) ( 5 ) If a credit bureau can not properly verify an account, it must be deleted. 
Instead of deleting these accounts, TransUnion " updated '' certain fields without proving their accuracy. 
FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable information, and TransUnions refusal to do so is a clear violation of the law. 
XXXX. Updating Accounts Without My Permission Violation of FCRA 611 ( a ) ( 5 ) ( C ) TransUnion updated account details without my authorization or proof of verification, which is unlawful. 
Updating an account after a dispute does not resolve inaccuraciesit confirms that the initial data was incorrect. 
This manipulation of account data without my consent is further proof of TransUnions failure to conduct a lawful investigation.

Recent CFPB Enforcement Actions Against TransUnion Support My Case In 2023, the CFPB fined TransUnion {$23.00} million for violating the FCRA by failing to properly investigate consumer disputes and continuing to report inaccurate information. 
TransUnions mishandling of my dispute follows the same pattern of unlawful behavior that the CFPB has already penalized them for.

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