Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Both XXXX XXXX XXXX and TransUnion and XXXX  are engaged in a pattern of willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), causing direct and ongoing financial harm. The account listed as XXXX XXXX XXXX acct XXXX XXXX  is inaccurate and unverifiable. My direct disputes have been met with a sham " verification '' process that ignores the law. The violations are systematic and clear. 
What are the specific legal violations? 
The following statutes have been violated, creating an indefensible position for both companies : VIOLATION 1 : 15 U.S.C. 1681e ( b ) - The credit bureaus Failure to Maintain Reasonable Procedures. 
The Credit Bureaus has utterly failed its foundational duty under the FCRA. The reporting of this inaccurate account demonstrates a systemic failure in their procedures. Any reasonable procedure would have flagged this account as erroneous upon receipt or during my dispute. Their continued reporting of this item is prima facie evidence of their negligent and unreasonable operations.

VIOLATION 2 : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX Failure to Provide Accurate Information. 
The furnisher, XXXX XXXX XXXX, has violated its duty to not furnish information it knows or has reasonable cause to believe is inaccurate. The details of this account are incorrect wrong date of first delinquency, wrong payment history. By providing this flawed data to the bureaus, XXXX XXXX XXXX poisoned the entire reporting ecosystem and is directly liable for the resulting inaccuracies. 
VIOLATION 3 : 15 U.S.C. 1681i ( a ) - The Credit Bureau Failure to Conduct a Proper Reinvestigation. 
Upon receiving my formal, written dispute, the Credit Bureaus was legally obligated to conduct a reasonable reinvestigation. Instead, they relied on their flawed, automated ACDV system, which merely asks the furnisherthe source of the inaccuracyto " verify '' the information it already provided. This is a circular, self-serving, and legally insufficient process that does not constitute a " reinvestigation '' as defined by the FCRA and interpreted by federal courts. It is a willful abdication of their statutory duty.

VIOLATION 4 : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - the Credit Bureaus Failure to Provide Investigation Description. 
This is a smoking XXXX that proves their bad faith. Following their so-called " reinvestigation, '' I explicitly requested a description of the procedure used to investigate my dispute, as is my absolute right under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). TransUnion and XXXX has completely failed to comply. This is not a minor oversight ; it is a deliberate concealment of their non-compliant, automated processes. Their refusal to provide this legally mandated disclosure is, in itself, a clear violation of the FCRA. I have attached a screenshot of the errors on my credit report

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