Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Formal CFPB Complaint FCRA Violations by XXXX XXXX XXXX and TransUnion , LLC | Account # XXXXXXXX XXXX XXXX XXXX XXXX Dear CFPB Complaint Intake Team : I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., against XXXX XXXX XXXX ( XXXX ) and TransUnion , LLC ( Bureau ). The violations described herein caused material harm to my credit profile, financial reputation, and access to credit. I. PARTIES I am a consumer as defined under 15 U.S.C. 1681a ( c ). XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ; Phone : ( XXXX ) XXXX ) is a debt collector and credit furnisher regulated under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. TransUnion , LLC is a Consumer Reporting Agency ( CRA ) as defined by 15 U.S.C. 1681a ( f ), obligated to maintain maximum possible accuracy in its consumer reports. II. STATEMENT OF FACTS XXXX XXXX XXXX furnished and TransUnion reported Account # XXXXXXXX XXXX XXXX XXXX XXXX as a derogatory collection tradeline on my TransUnion credit report. Upon reviewing my credit file and determining that the reported information was inaccurate, I filed a formal dispute with TransUnion pursuant to 15 U.S.C. 1681i. TransUnion completed its reinvestigation and issued written Investigation Results ( File Number : XXXX, Date Issued : XX/XX/year>, Page XXXX of XXXX ), which confirmed the following : Investigation Result : DELETED Finding : " The disputed item ( s ) was removed from your credit report. '' XXXX XXXX : " In response to your dispute, this item was DELETED from your credit report. '' The deletion of this tradeline confirms that XXXX XXXX XXXX was furnishing, and TransUnion was reporting, inaccurate consumer information in violation of the FCRA. I have reason to believe that XXXX XXXX XXXX XXXX attempt to re-insert this deleted tradeline, and/or that this same inaccurate account may continue to appear on my XXXX credit file, perpetuating the harm to my credit profile. III. FCRA VIOLATIONS A. 15 U.S.C. 1681e ( b ) Failure to Assure Maximum Possible Accuracy ( TransUnion ) TransUnion failed to follow reasonable procedures to assure maximum possible accuracy of the information reported concerning XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX The item 's deletion upon dispute is conclusive evidence that it was being reported inaccurately, in direct violation of Section 1681e ( b ). B. 15 U.S.C. 1681i Duty to Reinvestigate Disputed Information ( TransUnion ) While TransUnion ultimately deleted the item upon reinvestigation, the Bureau 's prior and continued reporting of inaccurate information, and any procedural failures during earlier dispute cycles, constitute violations of Section 1681i 's reinvestigation obligations, including the duty to forward all relevant dispute information to XXXX XXXX XXXX under XXXX ( a ) ( 2 ). C. 15 U.S.C. 1681s-2 ( b ) Furnisher 's Post-Dispute Duties ( XXXX XXXX XXXX XXXX Upon receipt of dispute notification from TransUnion, XXXX XXXX XXXX XXXX XXXX obligated to : ( 1 ) conduct a reasonable investigation of the disputed information ; ( 2 ) review all relevant information provided by TransUnion ; ( 3 ) report its findings back to TransUnion ; and ( 4 ) permanently correct or delete information found to be inaccurate, incomplete, or unverifiable. XXXX XXXX XXXX 's furnishing of inaccurate account data constitutes a violation of 15 U.S.C. 1681s-2 ( b ). D. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibition on Unauthorized Re-insertion ( XXXX XXXX XXXX ) Should XXXX XXXX XXXX re-insert this deleted tradeline without providing written notice to me within 5 business days of re-insertion, such conduct constitutes a willful violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Under 15 U.S.C. 1681n, willful non-compliance exposes XXXX XXXX XXXX to statutory damages of {$100.00} {$1000.00} per violation, punitive damages, and attorneys fees. XXXX. Pattern of Multi-Bureau Inaccurate Reporting Notably, XXXX XXXX XXXX 's same inaccurate tradeline was also deleted from my XXXX credit report following a separate dispute. The parallel deletion by both TransUnion and XXXX demonstrates a systemic pattern of furnishing inaccurate information across multiple consumer reporting agencies, evidencing willful or reckless disregard for FCRA compliance obligations under 15 U.S.C. 1681n. IV. RELIEF REQUESTED I respectfully request that the CFPB : Investigate XXXX XXXX XXXX for FCRA 1681s-2 ( b ) violations in connection with the furnishing of inaccurate information for Account # XXXXXXXX XXXX XXXX XXXX XXXX ; Investigate TransUnion , LLC for violations of 1681e ( b ) and 1681i in connection with the reporting and reinvestigation of this account ; Direct XXXX XXXX XXXX to permanently suppress Account # XXXXXXXX XXXX XXXX XXXX XXXX from all three national credit bureaus ( TransUnion, XXXX XXXX XXXX ) and all specialty consumer reporting databases ; Confirm whether XXXX continues to report this same XXXX XXXX XXXX XXXX and mandate its immediate removal ; Investigate XXXX XXXX XXXX XXXX broader furnishing practices across all three bureaus for systemic FCRA non-compliance ; Impose appropriate civil money penalties and supervisory actions against both Respondents ; Provide written confirmation of complaint receipt and actions taken. V. SUPPORTING DOCUMENTATION The following documents are attached in support of this complaint : Exhibit A : TransUnion Investigation Results File Number XXXX, dated XX/XX/year>, Page XXXX of XXXX, confirming DELETED status for XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Exhibit B : XXXX XXXX XXXX XXXX confirming deletion of XXXX XXXX XXXX ( related account ) from XXXX credit report, demonstrating multi-bureau pattern of inaccurate furnishing. Exhibit C : [ Attach any XXXX credit report excerpt if XXXX XXXX XXXX still appears ] Exhibit D : [ Attach any prior dispute correspondence with XXXX XXXX XXXX or TransUnion, if available ] I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge, information, and belief. Respectfully submitted,

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