Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint against TransUnion because I have been disputing several accounts since XX/XX/XXXX, and as of my most recent report in XX/XX/XXXX, I still have not received XXXX ounce of actual verification for ANY of the accounts I disputed. Instead, TransUnion keeps sending me stall responses such as : Someone is working on your file, Copies of my own credit report, Fraud alerts I did NOT request, Comments suggesting identity theft, Comments suggesting Im using a credit repair company ( Im not ), And verified results that come from automated systems, not real investigations. 
I am handling my own disputes, it just takes research which you all should know, you're a XXXX dollar company Below is what I disputed and WHY TransUnion is out of compliance, which you all know : XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) Apartment Collection TransUnion is reporting an apartment collection from XXXX for more than {$5000.00} with a derogatory collection/charge-off status. 
I have disputed this repeatedly for well over 90 days, and TransUnion has not provided any verification. 
Since TransUnion clearly does not understand what verification means for an apartment debt, here is what the law requires : Actual Verification Required for an Apartment Collection : Original signed lease agreement with my name Move-in inspection report Move-out inspection report Final itemized statement ( rent, utilities, damages, fees ) Photos or written evidence of claimed damages Full payment ledger ( every charge + every payment ) Deposit ledger showing how deposits were applied Copies of notices ( Notice to Vacate, demand letters ) Proof of assignment or ownership from the landlord to XXXX Accurate XXXX fields including DOFD , last payment, correct status TransUnion has provided none of these documents. 

Instead, I get : We verified electronically Furnisher confirmed Dispute resolved ; consumer disagrees That is NOT verification. That is an e-OSCAR code, not a reinvestigation. 
This violates FCRA 611 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ). 

XXXX. XXXX Credit Card Charge-Off TransUnion is reporting a charge-off with a past due balance and derogatory status. 
To verify a charge-off YOU must have : Original signed credit agreement Full monthly statements from account opening to charge-off Full payment history ledger Charge-off calculation worksheet DOFD documentation Proof of ownership or legal reporting authority XXXX compliant coding TransUnion has provided XXXX documentation. 
Again : just verified, with no proof. 
This violates FCRA 611 ( a ), 623 ( b ), and 623 ( a ) ( 1 ) ( A ). 

XXXX. XXXX XXXX XXXX Charge-Off Same issue : No contract. 
No statements. 
No ledger. 
No charge-off calculations. 
No proof of assignment. 
No XXXX compliance. 
Just verified, which is not verification. 
This violates FCRA 611 ( a ) and 607 ( b ). 

XXXX. XXXX XXXX XXXX {$0.00} Charge-Off REINSERTED TransUnion reinserted XXXX {$0.00} balance XXXX XXXX education charge-off, even though : It had previously been removed or suppressed I received NO notice I received NO documentation I received NO certification from the furnisher And TransUnion continues to treat XXXX {$0.00} loan as a charge-off Reinsertion without writing me within XXXX business days is a direct violation of : FCRA 611 ( a ) ( 5 ) ( B ) CRAs MUST notify the consumer IN WRITING after reinserting a previously deleted item. 
TransUnion did NOT do this. 
You also did NOT provide any proof of charge-off, any ledgers, any statements, or any ownership documentation. 
ZERO verification. 

XXXX. XXXX Unauthorized / Unverified Hard Inquiries I disputed XXXX inquiries. 
TransUnion has NOT provided ANY proof of permissible purpose. 
To verify an inquiry, you must have : The name of the company The purpose of the inquiry The signed application or digital authorization IP logs, device logs, or digital consent records TransUnion provided nothing, which violates FCRA 604 and 611 ( a ). 

Here are the inquires, no verification : XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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