Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing a formal complaint against TransUnion for failure to follow multiple provisions under the Fair Credit Reporting Act ( FCRA ) related to the re-investigation and continued inaccurate reporting of several disputed accounts. 

On or around XXXX XXXX XXXX, XXXX, I submitted written disputes and validation requests to TransUnion regarding the following collection accounts : XXXX XXXX XXXX {$500.00} Deleted by XXXX  Still reporting with balance discrepancies on TransUnion No validation, chain of assignment, or re-investigation summary was ever provided No investigation results via email or mail ever received XXXX XXXX XXXX {$700.00} Deleted by XXXX  Still reporting on TransUnion with no documentation or verification provided No validation, chain of assignment, or reinvestigation summary was ever provided No investigation results via email or mail ever received XXXX XXXX XXXX ( MCM ) {$710.00} Deleted by XXXX  Still reporting with balance mismatch and no verification received No validation, chain of assignment, or re-investigation summary was ever provided No investigation results via email or mail ever received Express Collections {$1300.00} Deleted by XXXX  Reporting with conflicting balances and no original documentation or itemization provided No validation, chain of assignment, or re-investigation summary was ever provided No investigation results via email or mail ever received XXXX XXXX XXXX ( XXXX ) {$2700.00} Only reporting with TransUnion Never validated ; TransUnion and the data furnisher failed to produce a signed contract, itemized account history, or chain of assignment No investigation results via email or mail ever received I was told my TransUnion dispute was received through their website and would be resolved but as of today, the dispute has disappeared from the system with no written results and no method of verification sent to me by mail or email. I am receiving updates that they are keeping accounts on my report but there is no detailed explanation as to why or how theyve come to the conclusion to leave the accounts on my report. These same accounts are being deleted by both Equifax and Experian so how are they able to keep the account on my report without providing a copy original signed contract, the chain of assignment proving the debt was legally transferred to the current collector, the forward flow agreement, purchase agreement, full itemized account history, or proof of legal right to collect in state of Missouri? 

No method of verification has ever been mailed to me to confirm the negative accounts on my report. This is in violation of multiple FCRA statutes : FCRA 611 ( a ) ( 6 ) : No written results of reinvestigation were provided FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) : No free updated credit report was issued after the dispute FCRA 611 ( a ) ( 7 ) : No description of reinvestigation method was ever sent FCRA 611 ( a ) ( 5 ) : TransUnion continued to update these accounts rather than delete them, despite lack of verification and deletion by other bureaus I have made multiple good faith efforts to resolve these disputes and provide validation requests in writing. The accounts are unverifiable, inaccurate, and causing financial harm. I request the following : Immediate deletion of any account that can not be verified with documentation Written results of the dispute investigation A full explanation of the verification method used A free copy of my updated TransUnion credit report Recommended Attachments ( Upload in CFPB portal ) : Your TransUnion credit report ( dated XX/XX/year> ) Dispute letters for Express Collections, XXXX, XXXX, XXXX, and XXXX Final Notice to TransUnion dated XX/XX/year>

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 explanation