Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security ( last XXXX digits ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : TransUnion Date of Report : XX/XX/XXXX File Number : XXXX Subject : I am filing this complaint against TransUnion for reporting inaccurate, incomplete, and misleading information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 



Under 15 U.S.C. 1681e ( b ), TransUnion must follow reasonable procedures to assure the maximum possible accuracy of consumer information. 

Under 15 U.S.C. 1681i, it must conduct a reasonable reinvestigation of disputed information. 



However, TransUnion has relied exclusively on the E-OSCAR system an automated dispute verification system to verify my disputes without properly reviewing supporting documentation. This automated process leads to rubber-stamp verifications and fails to meet the standards of reasonable and meaningful investigation required by law. 

Specific Inaccuracies and Violations Identified : XXXX XXXX  XXXX ( # XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX  ) * * Reported as charge-offs even though payments are shown in XXXX. 

This contradicts the payment activity and suggests outdated or inaccurate data. 

TransUnion verified this information using E-OSCAR, which did not review actual payment records or supporting evidence violating 1681e ( b ) and 1681i. 

XXXX XXXX XXXX XXXX XXXX ( Multiple accounts ) Accounts are inconsistently marked as 120 days late, OK, and DRC during the same time frames. 

These are federal student loans, subject to administrative forbearance periods. 

Reporting ongoing delinquency contradicts federal guidance and constitutes a failure to assure accuracy. 

The E-OSCAR process did not address or correct these inconsistencies, violating 1681e ( b ), 1681i, and 1681m. 

XXXX XXXX XXXX ( # XXXX XXXX XXXX  ) * * Account marked as Paid in Full, was a Repossession yet still displays repossession and charged off remarks. 

TransUnion continues to publish obsolete derogatory data, demonstrating reckless disregard for accuracy and compliance. 

This constitutes a willful violation under 1681n and a negligent violation under 1681o. 

XXXX XXXX XXXX  ( # XXXX XXXX XXXX  and # XXXX XXXX XXXX XXXX XXXX ) * * Both accounts are reported as Paid, Closed ; was 60 days past due despite consistent OK payment history. 

These false derogatories damage creditworthiness and are the direct result of an unverified E-OSCAR dispute process that fails to ensure accurate reporting. 

FCRA Sections Violated : 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy. 

1681i : Failure to conduct a proper, good-faith reinvestigation of disputed items.

1681c : Reporting obsolete or outdated adverse information.

1681n : Civil liability for willful noncompliance statutory damages up to {$1000.00} per violation, plus punitive damages and attorneys fees. 

1681o : Civil liability for negligent noncompliance actual damages and attorneys fees.

1681m : Failure to provide required notices of adverse actions resulting from inaccurate consumer report data. 

E-OSCAR System Abuse and Inadequate Reinvestigation : XXXX dispute-handling system, E-OSCAR, is designed for automated data exchanges with furnishers. In my case, TransUnion failed to conduct a meaningful review of the evidence I provided, and instead relied on furnisher verifications that were transmitted electronically through E-OSCAR. 



This system does not allow attachments, supporting evidence, or explanations from consumers to be fully reviewed, meaning no human analysis occurred. 

Such dependency on automated, third-party data without manual validation violates both 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ) of the FCRA. 

Requested Relief : I am requesting that the CFPB : Conduct a formal investigation into TransUnions use of E-OSCAR and its failure to comply with FCRA reinvestigation standards. 

Require TransUnion to delete or correct all inaccurate, unverifiable, and misleading items from my credit report. 

Confirm that TransUnion furnishes corrected reports to all recipients of the inaccurate data. 

Award statutory damages of {$1000.00} per FCRA violation, plus punitive and actual damages for harm to my credit, emotional distress, and financial losses. 

Harm and Damages : Due to these violations, I have experienced : Lower credit scores from inaccurate reporting. 

Denial or unfavorable terms on credit and financing. 

Emotional distress and damage to personal and professional reputation.

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