Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am filing this complaint because TransUnion continues to report unverifiable and inaccurate information on my credit report after multiple disputes, despite clear factual defects and violations of the Fair Credit Reporting Act. 

XXXX, TransUnion is reporting a late payment on my XXXX XXXX XXXX XXXX account for XX/XX/XXXX. TransUnion previously marked this information as verified but never produced billing records or payment application documentation showing how or when any payment was allegedly applied. The reported delinquency conflicts with the accounts payment status and with how the same account is reported by other consumer reporting agencies. Verifying a specific delinquency month without reviewing actual billing records is not a reasonable reinvestigation. 

XXXX, TransUnion continues to report the XXXX XXXX XXXX account with extensive late payment history and bankruptcy-related notations. All negative reporting on this account is derived from an alleged bankruptcy public record that TransUnion can not lawfully verify at the original source. When the foundational public record is unverifiable, any tradeline claiming inclusion in or derivation from that record is also unverifiable. Despite this, TransUnion continues publishing the entire tradeline and previously returned disputes as verified. 

Third, TransUnion is reporting multiple hard inquiries that were not authorized by me, including inquiries from XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX NA ( XX/XX/XXXX ), and XXXX XXXX XXXX XX/XX/XXXX ). These inquiries remain on my report despite prior disputes and submission of an FTC Identity Theft Report. Under federal law, identity-theft-related information must be blocked unless TransUnion can establish that it did not result from identity theft, which has not occurred. 

Additionally, I formally requested the XXXX of XXXX for items TransUnion marked as verified or unchanged. TransUnion failed to provide the name and address of the data source relied upon or the actual documentation used to verify accuracy, as required by law. 

TransUnion has an independent duty to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Simply repeating furnisher or vendor data without reviewing underlying records does not satisfy that duty. Courts have made clear that a credit reporting agency may not merely parrot information received from others when accuracy is disputed. 

Why This Violates the Law : XXXX conduct violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) for failing to conduct a reasonable reinvestigation ; 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) for failing to delete information that can not be verified ; 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) for failing to provide the Method of Verification ; 15 U.S.C. 1681b for reporting inquiries without a permissible purpose ; and 15 U.S.C. 1681c-2 ( FCRA 605B ) for failing to block identity-theft-related inquiries after receipt of an FTC Identity Theft Report. 

Courts have held that a consumer reporting agency must do more than simply repeat information received from a creditor or vendor when the consumer disputes accuracy. XXXX actions fall squarely within that prohibited conduct.

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