Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I filed multiple disputes with TransUnion since XX/XX/XXXX regarding inaccurate accounts on my credit report. TransUnion has violated the Fair Credit Reporting Act ( FCRA ) in the following ways : 1. Failure to Provide a Method of Verification ( MOV ) Violation of FCRA Section 611 ( a ) ( 7 ) TransUnion updated and verified accounts as accurate but failed to provide proof of verification or the Method of Verification ( MOV ) when I requested it.

They did not inform me of how these accounts were verified or provide any supporting documentation proving the legitimacy of the information they reported.

Under FCRA Section 611 ( a ) ( 7 ), credit bureaus must provide the consumer with the MOV upon
request, and TransUnion failed to comply.

2. Improper Investigation Violation of FCRA Section 611 ( a ) ( 2 ) Instead of conducting a proper investigation, TransUnion simply stated that accounts were verified as reported and updated certain fields without proving the accuracy of the data.

They failed to compare account details across all bureaus, validate inconsistent payment histories, or check for discrepancies in reported balances.

This does not constitute a reasonable investigation, violating FCRA Section 611 ( a ) ( 2 ).

3. Failure to Remove Unverifiable & Inaccurate Information Violation of FCRA Section 611 ( a ) ( 5 ) Since TransUnion failed to provide evidence verifying the disputed accounts, they were required to delete the unverifiable information.

Instead of deleting inaccurate accounts, TransUnion merely updated them and continued to report inconsistencies across bureaus.

The FCRA mandates that any disputed account that can not be properly verified must be deleted, and TransUnion failed to comply.

4. Reporting Inconsistent and Conflicting Information Across Bureaus Violation of FCRA Section 607 ( b ) The accounts that TransUnion verified as reported contain multiple discrepancies compared to XXXX and XXXX. 
These accounts show conflicting payment histories, mismatched balances, and different delinquency dates, proving that they were not properly verified. 
Under FCRA Section 607 ( b ), credit bureaus must ensure maximum possible accuracy when reporting consumer information. TransUnion violated this obligation by verifying accounts that remain inconsistent across bureaus.

5. Failure to Respond Within the Required 30-Day Timeframe Violation of FCRA Section 611 ( a ) ( 1 ) Under FCRA Section 611 ( a ) ( 1 ), TransUnion must complete an investigation within 30 days of receiving a dispute.

TransUnion failed to verify all items within the required time limit, violating the FCRA. 
Any item not verified within 30 days must be deleted, but TransUnion refused to remove the disputed accounts.

6. Sending Correspondence to the Wrong Address Violation of FCRA Section 609 ( a ) ( 1 ) TransUnion repeatedly sent responses and dispute results to the wrong address, even after I provided multiple certified letters, return receipts, and an affidavit of my correct address. 
This significantly delayed my ability to review their findings and respond accordingly.

Under FCRA Section 609 ( a ) ( 1 ), credit bureaus must maintain accurate consumer file information, including correct addresses, and TransUnion failed to comply. 
Recent CFPB Enforcement Actions Against TransUnion Support My Case In XXXX, the CFPB fined TransUnion {$23.00} XXXX for repeated violations of the FCRA, including : Failing to conduct real investigations into consumer disputes Continuing to report inaccurate information despite being notified of errors Misleading consumers about the accuracy of their credit reports This case directly relates to my experience, as TransUnion failed to properly verify accounts, ignored MOV requests, and allowed inaccurate reporting to continue.

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