Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
SEE CFPB COMPLAINT XXXX TO REFERENCE!! I am filing this complaint due to TransUnion 's repeated refusal to properly correct or remove accounts that are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 data reporting guidelines. Despite multiple formal disputes submitted in compliance with FCRA 611 ( 15 U.S.C. 1681i ), the credit bureau continues to verify and update accounts that are materially inaccurate, misrepresented, and deceptively reportedeven after clear violations were pointed out. 

The most recent dispute results, dated XX/XX/XXXX, indicate that TransUnion has again verified as accurate the following accounts : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX originally placed for collection on XX/XX/XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX  XXXX placed for collection on XX/XX/XXXX However, these accounts are still being reported with Metro 2 violations identical to those cited in my original dispute, including : Account Type Misclassification Both accounts are listed as Open rather than as Collection, which violates Metro 2 formatting for debt buyer and collection agency accounts. These are not open revolving or installment accounts. Debt buyers and collection agencies can not report as if they are original creditors extending open credit. 

Past Due Balances by Debt Buyers Per FDCPA 807 ( 2 ) ( A ) ( 15 U.S.C. 1692e ( 2 ) ( A ) ), it is a deceptive practice to falsely represent the character, amount, or legal status of any debt. XXXX XXXX is a third-party debt buyer and never extended credit to me. Yet they continue to report a XXXX XXXX balance of {$720.00} with a status of Open Account, implying an ongoing creditor-debtor relationship that never legally existed. 

False Date Opened & Re-aging These accounts were updated with new Date Opened fields and Date Updated notations, as shown in TransUnions reinvestigation results. These cosmetic changes are an attempt to sidestep the true issue, which is that re-aging derogatory accounts and assigning recent open dates is a known violation of both Metro 2 standards and FCRA 605 ( a ) ( 15 U.S.C. 1681c ), which limits how long negative items can remain on a report. 

Failure to Provide Method of Verification Despite repeated requests under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), TransUnion has never provided documentation or the method of verification used to validate these accounts. There is no signed contract, no original application, and no proof of ownership shown. 

These accounts were previously disputed in writing, with supporting evidence and annotations clearly demonstrating the violations. Instead of removing or accurately correcting the information, TransUnion simply made superficial updates such as altering the Date Updated, Date Closed, or Pay Status, while leaving the core violations untouched. 

I have gone back and forth with the bureaus about these same accounts. The data they are updating should not legally be allowed to be updated at allespecially when the foundational format and content are in breach of Metro 2 and federal law. This is no longer a matter of good faith error correction. This is now willful noncompliance. 

These continued actions have : Prevented me from securing stable housing, as landlords have denied me based on this inaccurate and unverifiable information. 

Caused ongoing damage to my credit profile, emotional distress, and loss of financial opportunity. 

Requested Resolution : Immediate deletion of the above-referenced accounts from my credit file. 

A full disclosure of the method of verification used by TransUnion. 

Written confirmation of deletions and corrections to be mailed to me. 

Referral of these furnishers for investigation due to furnishing knowingly false data in violation of FCRA 623 ( a ) ( 1 ) ( A ).

I am also reserving the right to pursue claims under FCRA 616 and 617 for willful and negligent noncompliance.

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