Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
Subject : XXXX XXXX TransUnion for Inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX. Consumer Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Complained About : TransUnion Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furnisher Involved : XXXX XXXX XXXX XXXX. Complaint Details I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards in connection with a XXXX XXXX XXXX account ( Acct. # XXXX ). 
Background : I have disputed this account multiple times. 
TransUnion continues to report late payments, charge-off codes, and balances inconsistently with other credit bureaus ( XXXX XXXX XXXX  ) . 
Despite my written requests, TransUnion refuses to provide the method of verification as required under FCRA 609 ( 15 U.S.C. 1681g ).

TransUnion has failed to conduct a reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). 
The reporting contains multiple discrepancies : o Different Date of Last Payment across bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). 

o Reporting a closed/charged-off account as still past due in violation of Metro 2 standards.

4. Legal Violations FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a proper reinvestigation.

FCRA 609 ( 15 U.S.C. 1681g ) Failure to provide the method of verification.

FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ) Furnisher obligations to correct and update inaccurate information.

FCRA 611 ( a ) ( 5 ) ( B ) Prohibition against reinserting previously disputed items without certification. 
Case Law Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CRAs must do more than parrot furnishers ; they must conduct real investigations. 
XXXX XXXX XXXX XXXX XXXX XXXX Equifax held liable for failing to correct inaccuracies after a dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CRAs can not continue reporting unverifiable information. 
Along with These Accounts As well : XXXX XXXX - XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX - XXXX- This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX - XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX- This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - This is inaccurate reporting on my report.

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