Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I submitted multiple detailed written disputes directly to TransUnion, challenging the accuracy, completeness, and legal compliance of several accounts and inquiries on my credit report. These disputes were submitted under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681e ( b ), 1681s-2 ( a ), 1681g ( a ), and the Metro 2 compliance standards issued by the Consumer Data Industry Association ( CDIA ).

Despite these submissions, TransUnion has continued to report information that is inaccurate, unverifiable, incomplete, or improperly authorizedwithout providing proper documentation or conducting a meaningful reinvestigation. These failures constitute violations of : 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute ; 15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy of information ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishers obligation to report complete and accurate information to consumer reporting agencies ; 15 U.S.C. 1681g ( a ) ( 2 ) failure to provide the sources and procedures used to verify disputed information ; FCRA 605B ( 15 U.S.C. 1681c-2 ) prohibition against reporting information resulting from identity theft or without proper verification or consumer consent.

The following accounts remain on my credit report despite being formally disputed and lacking any meaningful validation or legal substantiation : XXXX XXXX XXXX Account # XXXX * * * * * * * * XXXX XXXX XXXX Account # XXXX * * * * * * and # XXXX * * * * * * XXXX XXXX ( x # XXXX Account # XXXX * * * * * * * * * * multiple accounts. 
XXXX  Account # XXXX * * * * * * XXXX Account # XXXX * * * * * * XXXX XXXX XXXX  Account # XXXX * * * * * * * * * * XXXX XXXX Account # XXXX * * * * * * XXXX XXXX XXXX Account # XXXX * * * * * * * * * * These accounts contain false or unverifiable late payments, inconsistent dates of activity, inaccurate balances, incorrect derogatory statuses ( e.g., CollectionOrChargeOff ), and failure to follow Metro 2 reporting protocols. Several accounts still reflect dispute codes as N ( no dispute ), despite ongoing challenges. I also requested documentary proof of the permissible purpose, ownership validation, and data integrity, none of which has been provided.

Additionally, I have reason to believe that some of the reported information may have been supplied or updated without lawful authorization, further triggering FCRA 605B protections.

TransUnions continued reporting of this information, despite lacking proper verification and consumer consent, demonstrates willful and/or negligent noncompliance under the FCRA. 

Case law further supports my claim : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see the attached FTC Identity Theft Report and my prior written dispute letters submitted to TransUnion.

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