Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
Subject : TransUnion falsely verified a tradeline that XXXX admits they do not own or furnish Supplemental to Complaint ID # XXXX I am submitting this complaint as a supplement to CFPB Complaint # XXXX against TransUnion, based on newly discovered material facts and supporting evidence. 

On XX/XX/XXXX, XXXX submitted an official response to my CFPB complaint against them, clearly stating that the account in questiona Line of Credit originated through XXXXXXXX XXXX and serviced by XXXX sold to XXXX, XXXX on XX/XX/XXXX. XXXX expressly confirmed that they no longer own the account, are not servicing it, and do not furnish data on it to any credit reporting agency. 

Despite this clear statement, TransUnion issued investigation results dated XX/XX/XXXX, claiming the account was " verified '' and that no changes were necessary. Their letter ( File # XXXX ) states that the disputed tradeline ( XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) remains on file and was updated as accurate after contacting the data furnisher. 

The XX/XX/XXXX report from TransUnion continues to display this tradeline with derogatory payment history and marks it as Purchased by Another Lender Paid Collection. However, TransUnion lists XXXX as the furnishing party while simultaneously acknowledging the account was sold. This inconsistency is irreconcilable in light of XXXX sworn CFPB response. 

TransUnion either fabricated a verification or relied on a party ( XXXX ) who explicitly disclaims ownership or reporting authority. Either scenario constitutes a serious violation of the Fair Credit Reporting Act ( FCRA ), including : Violations Committed : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation TransUnion could not have reasonably verified this tradeline as accurate when XXXX explicitly stated they do not furnish data on it. 

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy By continuing to publish inaccurate and misleading derogatory information on my credit file, TransUnion has violated its statutory duty.

15 U.S.C. 1681n and 1681o Willful and/or negligent noncompliance The conflict between XXXX response and TransUnions reporting shows either willful deception or gross negligence. 

Supporting Documents Included : XXXX CFPB response dated XX/XX/XXXX, stating they no longer furnish or service the account. 

TransUnions investigation results dated XX/XX/XXXX, falsely marking the tradeline as verified and refusing to remove it. 

Page 6 of TransUnion 's XX/XX/XXXX report, showing continued publication of the XXXXXXXX XXXX tradeline with derogatory remarks. 



If this matter is not resolved swiftly and the inaccurate tradeline is not deleted, I reserve the right to pursue legal action in federal court under 15 U.S.C. 1681n and 1681o for actual, statutory, and punitive damages as provided by law.

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