Consumer complaint received 2025-12-18 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: SC

Complaint narrative:
XX/XX/year> I submitted a formal written dispute under FCRA 609 and 611 to TransUnion concerning multiple accounts appearing on my credit file. This dispute requested validation, accuracy verification, and proper investigation of all listed accounts. 

XX/XX/year> TransUnion issued a Completed Investigation Report and provided a full updated copy of my TransUnion credit report, stating that the reinvestigation was complete and listing the results for each disputed account, including the account remarks as of that date. 

XX/XX/year> ( Post-Investigation Review ) After reviewing the Completed Investigation Report, I identified the following issues : Multiple accounts that were included in my original XXXX dispute were omitted from the investigation results. 
At least XXXX account appeared to have been investigated or referenced that was not disputed in my original XXXX submission. 

XXXX XXXX XXXX I sent Method of Verification ( MOV ) requests to TransUnion regarding the accounts reported as verified. These MOV letters : Requested the specific method used to verify each account, including whether e-OSCAR was used and what documentation was relied upon. 
Provided written notice identifying the omitted accounts and the improperly included account from the XX/XX/XXXX investigation. 
Included a copy of my original XXXX dispute for reference, which was expressly stated in the correspondence. 

USPS tracking confirms the MOV package was delivered to TransUnions XXXX XXXX XXXX XX/XX/year>, and signed for and officially received on XX/XX/year>, as evidenced by the return receipt. 

XX/XX/year> TransUnion issued written responses dated XX/XX/year>, which : Failed to provide any method of verification or supporting documentation in response to my MOV requests. 
Incorrectly characterized my correspondence as a request for a new reinvestigation, stating that TransUnion was not required to reinvestigate because the accounts had already been investigated. 
Supplied only furnisher names and contact information without explaining how the accounts were verified. 
These responses did not address the MOV requests, the omitted accounts, or the improperly included account. 

XX/XX/year> ( First Observed Post-Investigation Changes ) I first noticed that account remarks and status information were changing on my TransUnion credit file after the investigation had been marked complete and after my MOV requests were rejected. 

XX/XX/year> I obtained a more recent version of my TransUnion credit report and compared it to the XX/XX/year> Completed Investigation Report. This comparison showed that : All reviewed accounts reflected changes to the account remarks since XX/XX/year>. 
The changes included revised charge-off language, meets FCRA requirements notations, profit-and-loss write-offs, altered collection terminology, and removal or replacement of prior remarks.

These changes occurred after TransUnion declared the investigation complete and after declining to provide any method of verification.

Notice Issues I did not receive mailed, email, or in-app notice from TransUnion explaining or detailing these post-investigation changes. The changes were discovered only through later report comparisons and third-party monitoring alerts.

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