Consumer complaint received 2025-01-20 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: TN

Complaint narrative:
I am filing this complaint against TransUnion due to failure to properly investigate disputes, failure to provide a valid Method of Verification ( MOV ), and continued reporting of inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 

Bankruptcy Reporting : On XX/XX/XXXX, I filed CFPB Complaint XXXX XXXX  disputing an inaccurate bankruptcy on my credit report. I provided documentation from XXXX, proving that they are a reseller of TransUnions data and do not verify bankruptcy records. Despite this, TransUnion refused to remove the record and falsely stated that the XXXX XXXX XXXX Tennessee verified it. However, the courts official website states that it does not report to credit bureaus, meaning TransUnion is relying on unverified third-party data in violation of FCRA 607 ( b ). 

Failure to Provide Method of Verification ( MOV ) : I formally requested an MOV under FCRA 611 ( a ) ( 7 ) to verify the bankruptcy, yet TransUnion failed to provide : The name of the entity that verified the bankruptcy The contact details of the verifier Documentation proving verification Instead, they responded with a generic statement claiming verification without any evidence. This violates FCRA 611 ( a ) ( 7 ). 

Inconsistent Late Payment Reporting Your Best Credit Union : On XX/XX/XXXX, I disputed incorrect late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Each credit bureau reports different late payment information for the same period XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion reports a 30-day late payment for XX/XX/XXXX This inconsistency demonstrates a lack of verification, violating FCRA 607 ( b ). I requested an MOV, but TransUnion failed to provide proof of verification, violating FCRA 611 ( a ) ( 7 ). 

Failure to Remove Inaccurate Addresses : I requested removal of outdated addresses from my file, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 609 ( a ) ( 1 ) & 611 ( a ) ( 1 ), TransUnion must remove unverifiable information. However, they have failed to comply. 
Supporting Documents I am enclosing updated screenshots from all three credit bureaus showing these inconsistencies, as well as the XXXX letter confirming they do not verify bankruptcies. 

TransUnions continued failure to correct these inaccuracies mirrors the CFPBs XX/XX/XXXX, lawsuit against XXXX, which alleges identical violations of FCRA. 

I request immediate correction of these issues, full MOV documentation, and monetary damages under FCRA 616.

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