Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Subject : XXXX XXXX XXXX TransUnion XXXX to Properly Investigate and False Information Provided by Representative. 

I am filing this complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) and for providing false and misleading information during a recent dispute process. 

On XX/XX/year>, at approximately XXXX PM, I received a phone call from a TransUnion supervisor regarding several accounts I had disputed. During this call, the supervisor made the shocking and legally incorrect statement that creditors do not have to prove a debt is valid in order to report it on a consumer 's credit file. She further stated that TransUnion is only responsible for displaying the information the creditor supplies, and not for verifying its accuracya clear contradiction to their legal obligations under 15 U.S.C. 1681e ( b ) and 1681i ( a ), which require credit reporting agencies to ensure the maximum possible accuracy and to conduct reasonable reinvestigations upon dispute. 

Earlier that same day, at approximately XXXX PM, I spoke with a TransUnion customer service representative who explicitly told me that four disputed accountswith balances of {$2800.00}, {$440.00}, {$33.00}, and $ XXXX been deleted from my credit report. I immediately requested confirmation of this in writing. However, during my later call with the supervisor, she contradicted that claim and said no such deletions had occurred, and she also refused to confirm or deny which accounts were under dispute or had been removed. 

I asked the supervisor to pull the XXXX PM call recording to verify what I was told. She acknowledged the call but stated that she would need to escalate the issue internally to review the call recordingleaving me with no resolution or accountability for the misinformation provided. 

These actions raise serious legal and regulatory concerns : False Statements : XXXX representatives provided materially false information about account deletions and the legal responsibilities of furnishers and CRAs. 

Failure to Investigate : TransUnion continues to display disputed accounts without conducting a legally compliant reinvestigation, as required by 15 U.S.C. 1681i ( a ). 
Failure to Ensure Accuracy : TransUnion is displaying unverifiable and inconsistent credit data in violation of 15 U.S.C. 1681e ( b ). 

Reinsertion Without Notification : Some of the accounts were previously removed and then reinserted without providing proper written notice within XXXX business days as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

This pattern of misconduct is not only harmful but illegal. Their failure to adhere to FCRA requirements is materially damaging my credit and impeding my ability to secure housing, credit, and essential services. 
Relief Requested : I request that the CFPB investigate TransUnion 's systemic failure to follow FCRA dispute and verification procedures. 
I request immediate deletion of all disputed accounts for which TransUnion and the furnishers have failed to provide documented validation. 
I request that TransUnion be compelled to provide written confirmation of all disputes, deletions, reinvestigations, and findings, including any reinsertion notices. 
I request that the CFPB review XXXX call center policies, quality control, and record handling, as consumers are receiving contradictory information that leads to significant confusion and harm. 
Please let me know if further information is needed. I am willing to provide screenshots, credit report documentation, and a written summary of all calls and correspondence.

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 explanation