Consumer complaint received 2025-05-14 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:
I am filing this formal complaint against TransUnion., for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report. 
I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, TransUnion has continued to parrot the same response : that the items have been verified as accurate. Given the extremely short resolution times ( some within 2448 hours ) and the lack of meaningful documentation provided, I believe TransUnion is engaging in automated, non-substantive responses using e-OSCAR, and not complying with its obligations under 15 U.S.C. 1681i ( a ).

Below is a summary of each issue I have disputed, how TransUnion failed to comply, and the specific relief I am requesting. 
XXXX. Inaccurate Charge-Off XXXX XXXX - Account Name XXXX XXXX XXXX - Account Partial # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Issue : TransUnion reports this account as a charge-off with a past due balance of {$630.00} and last payment dated XX/XX/XXXX. I never received formal notice of charge-off, and the balance reported is inflated and inconsistent with my records. 
- Relevant Law Violated : - 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation - Demand : Immediate deletion of the account if original documentation ( signed contract, payment history, and charge-off statement ) can not be provided and verified within the standards of Metro 2 compliance and CDIA guidelines XXXX 
XXXX. Unverifiable Collection XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Partial # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXssue : This collection account is reported with a balance of {$210.00}. I have not received any debt validation under the FDCPA, and Experian has verified this account without furnishing any supporting documentation from XXXX. 
- Relevant Law Violated : - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward relevant documents to furnisher - 15 U.S.C. 1681e ( b ) Reporting unverifiable debt - Demand : Delete the account unless a full chain of assignment, proof of ownership, and original contract with my signature are provided. 

XXXX. Unverifiable Collection XXXX XXXX XXXX Account Name : XXXX XXXX - Account Partial # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Issue : This collection account is reported with a balance of {$950.00}. I have not received any debt validation under the FDCPA, and Experian has verified this account without furnishing any supporting documentation from XXXX. 
- Relevant Law Violated : - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward relevant documents to furnisher - 15 U.S.C. 1681e ( b ) Reporting unverifiable debt - Demand : Delete the account unless a full chain of assignment, proof of ownership, and original contract with my signature are provided. 
XXXX. Unauthorized Hard Inquiries - Listed Inquiries : - XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX - Issue : I did not authorize these companies to perform a hard pull. There is no signed application or permissible purpose under 15 U.S.C. 1681b.

- Relevant Law Violated : - 15 U.S.C. 1681b ( c ) ( 1 ) Permissible purpose required - 15 U.S.C. 1681i Failure to investigate and remove unauthorized access - Demand : Immediate removal of all unauthorized inquiries lacking documented authorization. Requested Relief from CFPB : 1. Investigate TransUnions sham investigation
practices.

2. Require TransUnion to delete or correct all inaccurate, unverifiable, and unauthorized entries listed above.

3. Require TransUnion to provide documentation for any item it claims to verify.

4. Impose appropriate penalties or sanctions for repeated violations.

5. Ensure Experian follows all Metro 2 and CDIA standards, and refrains from unverifiable data reinsertion.

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