Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Subject : Formal Demand for Verification Procedure and Notice of Ongoing Non-Compliance XXXX  XXXX  XXXX  Account Mortgage Account XXXX To Whom It May Concern : I am writing to formally demand full compliance with my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the XXXX XXXX XXXX XXXX, regarding Transunions mishandling of XXXX disputes I submitted concerning a XXXX  XXXX  XXXX  account. This loan was paid and closed on XX/XX/year>, no longer serviced by XXXX XXXX XXXX as of XX/XX/year>, and in a HUD approved hardship program prior to that. Despite clear documentation, Transunion continues to inaccurately report this account. I am curious how you verified this account with XXXX XXXX XXXX between the dates of XX/XX/year> and XX/XX/year>. 
________________________________________ XXXX. Demand for Disclosure of XXXX XXXX As a consumer, I have the explicit legal right to obtain a detailed description of the procedure used to determine the accuracy and completeness of the disputed information, as established in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This includes : The name, address, and telephone number of each furnisher of information contacted in connection with your reinvestigation ; and A full explanation of the verification method and documentation used by XXXX  to confirm the accuracy of the disputed information. 
I hereby demand that Transunion provide this detailed verification procedure for both disputes regarding the XXXX XXXX XXXX account within XXXX calendar days of receipt of this letter. A simple statement that the information was verified is not legally sufficient and does not fulfill XXXX obligations under federal law. 
________________________________________ XXXX. Evidence of Inadequate and Inconsistent XXXX Transunion returned the results of this dispute within XXXX week of submission far too quickly to have conducted a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 1 ). This rapid response indicates that Transunion failed to contact the furnisher, review supporting documentation, or verify the disputed data appropriately. 
Furthermore, XXXX  deleted this same account after receiving the exact same dispute documentation submitted on the same day. This proves that XXXX verification process was flawed and noncompliant with both federal and Texas law, as it failed to yield an accurate and fair result. 
________________________________________ XXXX. Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ), Transunion is required to conduct a reasonable reinvestigation of disputed information within XXXX  days. Transunions failure to properly investigate or to provide documentation verifying its findings constitutes a violation of the FCRA. 
Additionally, under XXXX XXXX XXXX XXXX ( a ) ( c ), disputed information that can not be verified must be deleted or corrected immediately. Transunions continued reporting of this unverifiable account is a direct violation of Texas state law. 
________________________________________ XXXX. Pattern of Mishandled Disputes and Consumer Harm This is not an isolated incident. Transunion has demonstrated a repeated pattern of mishandling my disputes and failing to properly validate information. Such actions represent willful noncompliance under 15 U.S.C. 1681n and 1681o, as well as XXXX XXXX XXXX XXXX, which provide for recovery of actual, statutory, and punitive damages, along with attorneys fees. 
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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