Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against TransUnion for knowingly reporting inaccurate information, failing to conduct a lawful reinvestigation, and violating multiple sections of the Fair Credit Reporting Act ( FCRA ). Their actions have caused direct harm to my credit reputation, financial well-being, and access to credit. 

TransUnion has violated the following FCRA laws and federal requirements : 1. FCRA 602 ( A ) Accuracy and Fairness Requirement TransUnion is required to maintain maximum possible accuracy in consumer reports. They have failed to do this.

2. FCRA 611 ( 15 USC 1681i ) Failure to Reinvestigate TransUnion : Refused to properly inv
estigate my dispute.

Returned a verified res
ponse without providing any proof.

Relied on automated systems instead of a real investigation.

This is a direct violation of 611 ( a ), which requires a reasonable, meaningful, and good-faith reinvestigation.

3. FCRA 607 ( b ) ( 15 USC 1681e ( b ) ) Failure to Ensure Maximum Possible Accuracy TransUnion continues to report information that is : Inaccurate Unverified Not supported by the furnisher They can not legally keep information that can not be verified with evidence. If an item can not be verified, the law requires immediate deletion.

4. FCRA 605 ( 15 USC 1681c ) Reporting of Obsolete Information If TransUnion is reporting outdated
or obsolete data, this is another federal violation.

5. FCRA 609 ( 15 USC 1681g ) Failure to Provide Method of Verification TransUnion did not provide the method of verification ( MOV ) upon request, which they are legally required to do.

6. FCRA 623 ( 15 USC 1681s-2 ) Duties of Furnishers Because the furnisher failed to verify the information, TransUnion can not legally keep reporting it. Continuing to report unverified data violates this section. 



Demand for Immediate Relief Because the reported information is inaccurate, unverified, unsubstantiated, and illegally maintained, I am demanding the following : IMMEDIATE DELETION of all disputed accounts and information under : FCRA 611 ( a ) ( 5 ) ( A ) Must delete if inaccurate or unverifiable FCRA 607 ( b ) Must ensure maximum accuracy FCRA 602 Must maintain fairness and accuracy TransUnion has failed in all of these areas.

I am requesting that the CFPB compel TransUnion to : 1. Delete the improperly reported information immediately 2. Provide written confirmation of deletion 3. Explain why they ignored federal law and did not conduct a real investigation 4. Address their repeated pattern of automated, unlawful dispute handling TransUnion is willfully violating federal law and harming consumers. Their continued failure to correct inaccurate information even after a formal dispute shows clear negligence and non-compliance. 

I expect prompt enforcement action and complete resolution.

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 explanation