Consumer complaint received 2025-11-18 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: MO

Complaint narrative:
I XXXX XXXX XXXX disputed the XXXX XXXX XXXX XXXX account via mail, CFPB Complaint and by phone contacted Transunion and XXXX  reviewing the Payment History with both customer service representatives and their supervisors that, at a minimum, should put Transunion and XXXX  on notice that reinvestigation beyond the furnishers ACDV/e-Oscar response was necessary. 
Such documents and physical phone reviews are sufficient to put Transunion and XXXX  on notice that the furnisher may have transmitted unreliable information. Yet, Transunion and XXXX  gave the supporting documents and physical review no weight in resolving the dispute and conducted no further physical reinvestigation of the dispute beyond the furnishers ACDV/e-Oscar response. 
CRA is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Transunion Phone Log XX/XX/XXXX Approx XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX Verified and Closed Transferred Supervisor ; XXXX XXXX Payment History XXXX , XXXX & XXXX Refusal to remove account. 
XX/XX/XXXX Approx XXXX XXXX XXXX XXXX XXXX File # XXXX Case # XXXX XXXX agreed to the inaccuracies Transferred to XXXX Supervisor Case # XXXX. Reviewed payment history. XXXX stated that Transunion had no ability to remove factually inaccurate information. 
XX/XX/XXXX Approx XXXX XXXX who Transferred me to XXXX Supervisor who refused to provide with a call case number. File # : XXXX. Reviewed Payment History pointed out inaccuracies told Transunion had no ability to remove accounts. 
XX/XX/XXXX Approx XXXX XXXX reviewed XXXX XXXX XXXX  Payment History Refused to transfer me to Supervisor. No immediate supervisor available. Setup 3 day call back Case # XXXX XX/XX/XXXX Approx XXXX XXXX reviewed XXXX XXXX XXXX  Payment History Refused to transfer me to Supervisor. Case # : XXXX XX/XX/XXXX Approx XXXX XXXX reviewed XXXX Proof of Ownership. Transferred to XXXX, refused to provide me with a call case number. File # : XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX Payment History XX/XX/XXXX Approx XXXX XXXX  reviewed XXXX  Proof of Ownership. refused to provide me with a call case number. File # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Payment History XX/XX/XXXX Approx XXXX XXXX reviewed XXXX XXXX XXXX XXXX Case # : XXXX Transferred to XXXX Supervisor reviewed XXXX XXXX XXXX  Payment History File : XXXX. Informed that Transunion could not remove factually inaccurate accounts told contact furnisher. 
XX/XX/XXXX Approx XXXXXXXX XXXX XXXXXXXX reviewed XXXX XXXX XXXX XXXX Transferred to XXXX Supervisor reviewed XXXX XXXX XXXX  Payment History File : Case : XXXX. Informed that Transunion could not remove factually inaccurate accounts told contact furnisher. 
XX/XX/XXXX Approx XXXX XXXX reviewed XXXX XXXX XXXX XXXX Payment History. Requested Transferred to Supervisor, Set up call back. 

XX/XX/XXXX XXXX Approx XXXX XXXX reviewed XXXX XXXX XXXX XXXX Transferred to XXXX Supervisor reviewed XXXX XXXX XXXX  Payment History File : XXXX. Informed that Transunion could not remove factually inaccurate accounts told to contact furnisher. 

XX/XX/XXXX XXXX Approx XXXX XXXX XXXX reviewed File # : XXXX # XXXX XXXX XXXX XXXX XXXX Transferred to XXXX XXXX Supervisor reviewed XXXX XXXX XXXX Payment History Case XXXX XXXX. Informed that Transunion could not remove factually inaccurate accounts even if they knew it was inaccurate, told to contact furnisher.

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