Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
XX/XX/year> Re : CFPB Complaint to TransUnion : XXXX This letter serves as a formal rebuttal to TransUnions response regarding the disputed accounts listed on my credit report. TransUnions response, which describes a generalized procedure and lists the disputed tradelines as active disputes, does not satisfy their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) and 1681e ( b ).

TransUnions reply indicates that they : 1. Reviewed all available relevant information 2. Contacted the data furnisher for verification if unable to update based on my information 3. Updated records with the information the creditor provides 4. Sent results of the investigation This process, as described, is insufficient because it relies entirely on the furnishers self-reported responses, rather than TransUnion conducting their own independent and reasonable reinvestigation. Simply transmitting my dispute to a creditor and accepting their response does not satisfy TransUnions statutory duty to ensure maximum possible accuracy under FCRA 1681e ( b ) or their duty to conduct a reasonable reinvestigation under 1681i ( a ).

1. Failure to provide Method of Verification Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedures used to determine the accuracy and completeness of each account. TransUnion has failed to provide : What documents or records were reviewed Who verified the information How the accuracy of each account was determined Any evidence independent of the furnishers response This lack of transparency constitutes a clear violation of federal law.

2. Accounts continue to report inaccurate information Despite my dispute, TransUnion lists the following tradelines as active disputes without : Correcting the inaccurate information I originally flagged Providing an explanation of verification Producing any supporting documentation Accounts in dispute : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX The continued reporting of these accounts in their current, inaccurate state is causing irreparable harm to my creditworthiness.

3. Demand for Immediate Action I am requesting that TransUnion : 1. Conduct a full and reasonable reinvestigation of each disputed account, including independent review of verification documents and not relying solely on furnisher responses.

2. Provide the Method of Verification for each account, including the documents reviewed and the individual responsible for verification.

3. Delete or correct any account that can not be fully verified with actual, credible documentation.

4. Notice of Non-Compliance Failure to comply with these demands will leave me with no choice but to escalate this matter through : Notice to my state Attorney General Consideration of private civil action for damages under o FCRA 616 ( willful noncompliance ) o FCRA 617 ( negligent noncompliance ) This rebuttal serves as formal notice that TransUnions previous response is legally insufficient. I expect a substantive, evidence supported reply, not a template response and full compliance with FCRA requirements. 

Sincerely, XXXX XXXX

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