Consumer complaint received 2025-07-20 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:
I am filing this complaint to report repeated violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, LLC. Despite multiple disputes and formal requests for reinvestigation, TransUnion has continued to publish tradelines supplied by third-party debt collectorsincluding XXXX XXXX and XXXX XXXX XXXX lack legal validation and contradict original creditor records. They change status and report illegally und FDPCA when the debt nor the initial creditor failed to verify the debt and the buyer XXXX XXXX failed to validated as per FCRA/FDPCA validation guidelines. I have filed a Florida Attorney General complaint since I am possibly not the only consumer this is happening to. They have been provided the evidence on this account and all others where TransUnion, XXXX XXXX XXXX have failed to follow the law and in complicity disregard the evidence and merely report what the creditor sends them that in many cases is invalid, and retaliatory. 
Alleged Violations 1. Sham Investigations FCRA 611 ( a ) & 1681i ( a ) TransUnion has repeatedly verified collection tradelines despite furnishers failing to produce documentation establishing the debts legal validity. These investigations are superficial, relying solely on furnisher confirmations without independent evidence review. No supporting documentation ( e.g., original chargeoff records, billing cycles, payment history ) was provided to me in response. 
XXXX. Unlawful Reinsertion FCRA 611 ( a ) ( 5 ) ( B ) Following previous deletion or dispute of inaccurate tradelines, TransUnion reinserted accounts without written notification. The law mandates that if any item is deleted and then reinserted, the CRA must provide the consumer written notice within XXXX business dayswhich did not occur. 
XXXX. Publication of Unverified Debt FCRA XXXX ( a ) ( XXXX ) ( A ) By publishing account data furnished by XXXX XXXX XXXX XXXX XXXX XXXX  without ensuring accuracy, TransUnion has contributed to the continued reporting of : Unvalidated collection amounts Inconsistent or fabricated payment timelines Improper chargeoff status extensions ( " re-aging '' ) This misleading data has suppressed my credit score, obstructed dispute remedies, and perpetuated unlawful collection efforts. This has caused me emotional harm, financial suppression, and reputational harm for over XXXX years. TransUnion is exposed in its complicity and " sham investigations '' The attachment ( XXXX ) clearly illustrate how the data is invalid and misreported across bureaus. TransUnion is complicit in violations of the FCRA, FDPCA and Florida Consumer Laws injuring and causing XXXX years of harm to consumers like myself. Requests for deletion were made after failed verification/validation and TransUnion failed to due its due diligence and follow The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), If, after any reinvestigation ... an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or ( ii ) modify that item of information, as appropriate, based on the results of the reinvestigation. '' Despite over XXXX written disputes submitted under FCRA 611, TransUnion has failed to remove or modify tradelines that are not verified with supporting documentation. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item that can not be verified must be promptly deleted. Each time TransUnion chose not to delete, they accepted unsubstantiated responses from furnishers without evidence, violating your reinvestigation obligations and the law. The XXXX  Attorney General will receive a copy of the supplemental complaint as evidence that their complicity with the furnishers is ongoing even after the debt can not be validated/verified under the FCRA established guidelines. Both TransUnion and the furnishers they are complicit with in this behavior a re exposed to penalties for violations of Federal Laws and local state laws. It has been XXXX years of inaction and sham investigations. The FTC has been made aware and the XXXX Attorney General has copies of all complaints and requests for deletions.

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