Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
1. Overview of the Problem I am filing this complaint due to ongoing and repeated violations of the Fair Credit Reporting Act ( FCRA ) by both TransUnion and XXXX XXXX XXXX. 

The XXXX XXXX on my TransUnion report contains : Contradictory balances Incorrect past-due amounts Conflicting charge-off data Inconsistent dates across all bureaus Missing payment history Incorrectly reported closed/open statuses Balance/Past Due amounts that change with no explanation A charged-off account still reporting as actively past due This reporting is factually impossible to be accurate and therefore must be deleted.

2. Violations by TransUnion A. Failure to Provide Method of Verification ( MoV ) FCRA 611 ( a ) ( 7 ) On multiple occasions, I requested the Method of Verification for the XXXX XXXX XXXX XXXX 
TransUnion refused to provide : 1. The name of the verifier at XXXX XXXX. The date and time verification occurred 3. The method used ( phone, e-Oscar, documentation ) 4. The specific documentation relied upon Instead, TransUnion repeatedly responded with : We can not provide copies of the documents. 
We verified directly with XXXX. 
Contact XXXX for more details. 

This is not legally sufficient under FCRA 611 ( a ) ( 7 ).

Because TransUnion failed to provide MoV, they are required by law to delete the tradeline. 



B. Improper Reinvestigation FCRA 611 ( a ) ( 1 ) A TransUnion Special Handling agent called me.

Before I could explain my dispute, they : Did not ask me what was inaccurate Did not request documentation Did not clarify the dispute Hung up Then marked my dispute verified as accurate minutes later This is not a reinvestigation.

This is a violation of federal law.

C. Parrot Verification TransUnion simply repeated whatever XXXX sent through XXXX without reviewing my evidence. 

Courts have ruled parrot verification to be a violation of the FCRA because it does not constitute a real investigation. 



3. Violations by XXXX XXXX XXXX XXXX has furnished inconsistent, contradictory, and objectively inaccurate data, including : Different balances across bureaus Different past-due amounts Different charge-off values Different dates of last activity Missing payment history Closed account reporting as past due XXXX alternating between open , closed, and charged off over time Under FCRA : 623 ( a ) ( 1 ) A furnisher may not report inaccurate information 623 ( a ) ( 2 ) A furnisher must correct and update information Ford has not corrected anything despite multiple disputes.

4. Evidence Provided I have attached : Screenshots of TransUnion refusing the Method of Verification Screenshots of contradictory bureaus reporting different balances Screenshots of TransUnion marking the account verified with no investigation Screenshots showing inconsistent dates, balances, and charge-off info SmartCredit screenshots showing three different versions of the same account This proves the information can not be verified.

5. Requested CFPB Action Due to repeated violations and inability to verify the account, I request : FULL DELETION of the XXXX XXXX XXXX XXXX from TransUnion, and confirmation that XXXX ceases furnishing inaccurate data. 

This is the only remedy consistent with the FCRA and federal reporting standards.

6. Harm Suffered My credit score has been significantly and unfairly damaged I am unable to obtain fair credit terms This has caused financial, emotional, and housing-related hardship Continued inaccurate reporting is causing ongoing harm 7. Conclusion TransUnion and XXXX XXXX XXXX have violated multiple sections of the FCRA through : Failure to verify Failure to investigate Failure to provide MoV Providing contradictory reporting Furnishing inaccurate information Mishandling disputes Engaging in parrot verification Special Handling misconduct Because they can not verify the account, the FCRA requires deletion. 

I respectfully request that the CFPB intervene and order : Full deletion of the XXXX XXXX XXXX account Correction of any lingering inaccurate data Compliance review of TransUnions dispute process

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