Consumer complaint received 2025-10-22 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: AR

Complaint narrative:
Account in Question : XXXX XXXX ( Account # XXXXXXXX XXXX XXXX ) Original Creditor : XXXX XXXX XXXX Purpose of This Letter This is my follow-up dispute regarding the collection account listed above, which continues to appear on my TransUnion credit report despite being removed by XXXX  due to inaccuracy. I previously disputed this account with TransUnion, but you have failed to delete this inaccurate information. I am now providing additional evidence and demanding immediate correction under the Fair Credit Reporting Act ( FCRA ). 

Account Details Creditor : XXXX XXXX Original Creditor : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} Date Opened : XX/XX/XXXX ( as reported by TransUnion ) Account Status : Collection/Chargeoff Last Reported Date : XX/XX/XXXX Critical Evidence : XXXXXXXX  Has Removed This Account XXXX conducted its own investigation and determined this account was inaccurate, resulting in its complete removal from my XXXX credit report. This removal by XXXX proves the account information is unverifiable and inaccurate. TransUnion 's continued reporting of this account directly contradicts XXXX XXXX findings and violates FCRA accuracy requirements. 

Your continued reporting of information that another major credit bureau has determined to be inaccurate constitutes a clear violation of 15 U.S.C. 1681e ( b ).

TransUnion 's Failure to Conduct Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of disputed information. The fact that XXXX removed this account while TransUnion continues to report it raises serious questions about the adequacy of your investigation : What specific steps did TransUnion take to verify this account? 

Who at XXXX XXXX verified this debt, and what documentation did they provide? 

Why does TransUnion 's investigation reach a different conclusion than XXXX XXXX investigation? 

What method of verification ( MOV ) did TransUnion use, and how does it differ from XXXX 's process? 

Your failure to properly investigate this dispute, particularly in light of XXXX XXXX removal, suggests that TransUnion has not met the " reasonable reinvestigation '' standard required by federal law. 

Legal Violations and Required Actions TransUnion 's continued reporting of this inaccurate account violates multiple FCRA provisions : 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Requirement TransUnion must follow reasonable procedures to assure maximum possible accuracy. When one major credit bureau removes an account due to inaccuracy, continuing to report that same account demonstrates a failure to maintain accuracy standards. 
15 U.S.C. 1681i ( a ) Reinvestigation Obligations TransUnion must conduct a reasonable reinvestigation and delete information that can not be verified. XXXX XXXX removal proves this account can not be properly verified. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Prompt Notice of Results TransUnion must provide written notice of the results of any reinvestigation within five business days. I request complete documentation of your investigation process and findings.

Documented Harm to My Credit Profile TransUnion 's inaccurate reporting has caused measurable harm to my credit profile and financial opportunities : Credit Score Damage : This derogatory account artificially lowers my credit score Interest Rate Increases : I face higher interest rates on credit products due to this inaccurate information Credit Denials : This negative item may result in denials or less favorable credit terms Financial Reputation : The account damages my creditworthiness despite being inaccurate This harm is entirely preventable and directly results from TransUnion 's failure to properly investigate and remove inaccurate information. 

Immediate Actions Required I demand that TransUnion take the following actions immediately : Delete the XXXX XXXX collection account ( Account # XXXXXXXX XXXX XXXX  ) from my credit report * * consistent with XXXX XXXX  determination of inaccuracy Provide complete Method of Verification ( MOV ) documentation showing : Who verified this account What documentation was reviewed The date and method of verification Explanation of why TransUnion 's conclusion differs from XXXX XXXX  Provide a complete copy of your investigation results including all documents reviewed and contacts made during the reinvestigation process Send updated credit reports to any creditors who received reports containing this inaccurate information within the past six months Provide written confirmation that this account has been permanently deleted and will not be re-reported Legal Notice Please be advised that I am documenting all correspondence and actions related to this matter. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this inaccurate reporting. 

If TransUnion fails to delete this inaccurate information within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies, including : Filing a lawsuit under the FCRA for willful or negligent noncompliance ( 15 U.S.C. 1681n and 1681o ) Seeking actual damages for harm to my credit profile and financial opportunities Seeking statutory damages as provided under the FCRA Seeking punitive damages if TransUnion 's conduct is found to be willful Recovering attorney fees and costs as allowed under 15 U.S.C. 1681n ( a ) ( 3 ) and 1681o ( a ) ( 2 )

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