Consumer complaint received 2026-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC for failure to conduct reasonable reinvestigation of multiple disputed accounts on my credit file, for maintaining internally contradictory data that a genuine reinvestigation would have identified and corrected, and for returning repeated conclusory dispute findings that do not satisfy the FCRA 's reinvestigation standard under 15 U.S.C. 1681i. I reviewed my TransUnion credit report dated XX/XX/XXXX and identified the following accounts with material inaccuracies and unresolved prior disputes : -- - ACCOUNT 1 : XXXX XXXX ( Auto Loan ) -- - Status : Charge-off. The account simultaneously reflects the remark " Transferred to Recovery '' appearing TWICE a single account event generating two separate derogatory notations. Additionally, the account reports both " Profit and loss write-off '' and " Transferred to Recovery '' ( duplicated ) as simultaneous dispositions, with no clarification as to which is controlling. Monthly payment is listed as " No Info '' despite this being a 74-month installment loan with established payment terms. -- - ACCOUNT XXXX : XXXX ( XXXX XXXX ) -- - Status : Charge-off. This account contains a direct internal contradiction : it reports a Current Payment Status of " Charge-off '' while simultaneously showing XXXX XXXX days late as XXXX. A charge-off is legally impossible without prior delinquency these XXXX data points can not coexist. Additionally, the payment history shows " Unknown '' for every single month of XXXX and XXXX over two full years of missing data. The account remarks reflect " Account information disputed by consumer '' TWICE, meaning two prior disputes were filed and neither produced a documented resolution or written results as required by FCRA 611 ( a ) ( 6 ). -- - ACCOUNT XXXX : XXXX XXXX ( Telecommunications/Collection ) -- - Status : In Collections. This account also contains a direct internal contradiction : Current Payment Status of " In Collections '' while Times 30/60/90+ days late = XXXX. A collection account can not exist with XXXX days of delinquency at any threshold. The remarks reflect " Account information disputed by consumer '' TWICE two prior unresolved disputes. Large portions of the XXXX payment history show " Unknown. '' -- - ACCOUNT 4 & 5 : XXXX XXXX XXXX ( Two Collection Accounts ) -- - Both XXXX accounts one for XXXX XXXX XXXX XXXX ( {$9800.00}, XXXX opened XX/XX/XXXX ; original delinquency XX/XX/XXXX ) and one for XXXX XXXX XXXX XXXX ( {$880.00}, XXXX opened XX/XX/XXXX ; original delinquency XX/XX/XXXX ) show " Account information disputed by consumer '' TWICE each. Four combined unresolved dispute notations across two accounts, with no documented reinvestigation results provided for any of them. Both accounts also present potential re-aging concerns under FCRA 605 ( c ), as XXXX 's " Date Opened '' significantly post-dates the original dates of first delinquency. FCRA VIOLATIONS BY TRANSUNION : 1. FAILURE TO CONDUCT REASONABLE REINVESTIGATION [ FCRA 611 ( a ) ( 1 ) ] : Multiple accounts show " Account information disputed by consumer '' appearing TWICE meaning TransUnion has processed at least two dispute cycles per account without correcting the identified inaccuracies. For the XXXX XXXX and XXXX accounts, the inaccuracies are internal contradictions within TransUnion 's own data a charge-off with XXXX late payments and a collection with 0/0/0 late payments. A genuine reinvestigation would have flagged these contradictions immediately. The fact that they remain uncorrected after multiple dispute cycles demonstrates that TransUnion is not conducting reasonable reinvestigations as required by FCRA 611 ( a ) ( 1 ). 2. RUBBER-STAMPING FURNISHER RESPONSES : The pattern of returning " Account information disputed by consumer '' notations without correction suggests TransUnion is forwarding disputes to furnishers via the automated e-OSCAR system and accepting their responses without independent review of the accuracy of the reported data. Courts have consistently held that this practice does not constitute a " reasonable reinvestigation '' under the FCRA. XXXX. FAILURE TO PROVIDE WRITTEN REINVESTIGATION RESULTS [ FCRA 611 ( a ) ( 6 ) ] : Despite multiple dispute cycles across multiple accounts, I have not received written results of completed reinvestigations as required by FCRA 611 ( a ) ( 6 ). 4. MAINTAINING INTERNALLY CONTRADICTORY DATA [ FCRA 607 ( b ) ] : TransUnion has an independent obligation under FCRA 607 ( b ) to maintain reasonable procedures to assure maximum possible accuracy of the information it reports. The presence of accounts showing charge-off or collection status with XXXX days of delinquency represents a failure of those reasonable accuracy procedures. 5. NAME DISCREPANCY / POTENTIAL MIXED FILE : My TransUnion report shows my name as " XXXX XXXX XXXX '' a middle name variation not present on my XXXX or XXXX reports. Combined with an incorrect Social Security Number on my other bureau files, this raises concern about potential mixed file issues that TransUnion has an obligation to investigate and resolve. WHAT I WANT : I am requesting the CFPB require TransUnion to : ( 1 ) Conduct genuine reinvestigations not automated e-OSCAR relays of all five disputed accounts identified above ; ( 2 ) Correct the internal contradictions on the Possible Finance and XXXX accounts ( charge-off/collection status vs. 0/0/0 late payments ), or delete those accounts ; ( 3 ) Remove duplicate derogatory remarks on the XXXX XXXX account ; ( 4 ) Verify and correct re-aging concerns on both XXXX Funding accounts ; ( 5 ) Provide written results of all reinvestigations as required by FCRA 611 ( a ) ( 6 ) ; ( 6 ) Investigate and resolve the name discrepancy on my file and conduct a mixed file review; ( 7 ) Delete any account where the furnisher can not verify accuracy within the required 30-day reinvestigation window. I submitted formal written disputes to TransUnion via certified mail on or around XX/XX/XXXX. These inaccuracies remain uncorrected as of the date of this complaint.

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