Consumer complaint received 2025-06-11 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 writing to formally file a complaint against TransUnion for failing to conduct a proper investigation regarding an inaccurate collection account that continues to appear on my credit report. Despite having disputed this account twice in the last 60 days, TransUnion has ignored my concerns, issued generic responses, and failed to address the inaccuracies in full compliance with the Fair Credit Reporting Act ( FCRA ). 
Details of the Dispute : Collection Account : XXXX XXXX Account Number : # XXXX Original Creditor : XXXX XXXX XXXX XXXX 

Account Balance : {$150.00} ( listed )/ {$190.00} ( claimed by XXXX XXXX ) Dispute Dates : XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX Date of Last Investigation Results : XX/XX/XXXX Despite providing clear evidence that this collection account is inaccurate, TransUnion has merely " verified '' the account without any proof or documentation supporting its validity. The information reported is misleading and fails to meet the minimum standards of accuracy required under federal law. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Proper Investigation : Under the FCRA, specifically Section 1681i ( a ) ( 1 ) ( A ), when a consumer disputes the accuracy of information on their credit report, the credit reporting agency must conduct a reasonable investigation of the dispute. TransUnion has failed to meet this standard by simply " verifying '' the information with XXXX XXXX without providing any supporting evidence that the account is accurate. 

Inaccurate Reporting of Information ( FCRA Section 1681e ( b ) ) : The account is listed as a loan, with an original balance of {$150.00}, but the claimed balance of {$190.00} does not match any legitimate debt I owe. There is no payment history, and the account is listed as " open '' and " in good standing, '' which is completely inaccurate. As per the FCRA, all information reported must be accurate and complete. 

Failure to Provide Evidence of Ownership ( FCRA Section 1681i ( a ) ( 4 ) ) : No proof has been provided showing that I owe this debt. The collection agency, XXXX XXXX, claims this account is mine, yet they have provided no documentation to substantiate their claim. A remark stating " resolved by grantor '' does not suffice as verification of the debt 's legitimacy. Moreover, there is no history of 30/60/90-day late payments, which further casts doubt on the accuracy of this account. 

Unsubstantiated " Account Status '' ( FCRA Section 1681s-2 ) : The account is reported as " open '' and in " good standing '' while showing no payment history. This is a clear violation of the FCRA, as it misrepresents the nature of the debt. If this were truly a valid loan, there should be a clear record of late payments or a more detailed account statusneither of which exists. 

XXXX have also deleted this account. They did a proper investigation and found this account to not be mine and inaccurate, thus it was deleted. 

Demand for Immediate Deletion : I demand the permanent deletion of this account from my credit report for the following reasons : No contract with XXXX XXXX XXXX exists , nor any evidence that this account is mine. 

The balance is inflated and inconsistent with the original amount listed. 

The account is inaccurately reported as open and in good standing with no payment history or other relevant data. 

No verifiable evidence of ownership or agreement has been provided, despite multiple dispute attempts. 

TransUnion has failed to meet its obligations under the FCRA to ensure that all information on my credit report is accurate and verifiable. I will not accept a mere verification of the account without proof. I insist that TransUnion permanently delete this collection account from my credit file and provide a thorough explanation of the investigation process, including how they arrived at the conclusion that the account is valid. 
Case Law References : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, No. XXXX ( XXXX. XXXX XXXX ) : In this case, the court held that a credit reporting agency must conduct a reasonable investigation and can not merely rely on a third-party verification without reviewing sufficient documentation. 

XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case established that a credit reporting agency can not simply " rubber-stamp '' information received from a furnisher ( in this case, XXXX XXXX ) without verifying its accuracy independently. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court emphasized that a credit reporting agency is required to do more than just rely on a report from a furnisher ; they must investigate the underlying details and ensure the accuracy of the data being reported. 

Conclusion : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to ensure TransUnion upholds its obligations under the Fair Credit Reporting Act ( FCRA ). I demand the immediate permanent removal of the XXXX XXXX collection account from my credit report due to its inaccuracies and the failure of TransUnion to provide proper investigation and documentation. Failure to comply with these requests will leave me no choice but to pursue legal action to hold both TransUnion and XXXX XXXX accountable for these violations. 

I appreciate your prompt attention to this matter. Please confirm receipt of this complaint and inform me of the actions being taken to resolve the issue. 

Sincerely, XXXX XXXX

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