Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I am submitting this complaint against TransUnion LLC for continued reporting of an inaccurate, unverifiable, and legally resolved charge-off account from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, listed as XXXX XXXX, partial account number XXXX. This account was previously the subject of a legal settlement with XXXX, pursuant to which XXXX conducted an investigation and determined the information was either inaccurate or could not be verified. As a result, the account was permanently deleted from my XXXX  report as of XX/XX/year>. 
Furthermore, this same XXXX XXXX account is not reported at all by XXXX, demonstrating clear inconsistency and unreliability of the data. Only XXXX  continues to report this account as a charge-off with a balance of {$1100.00} and a vague notation that the dispute was resolved by the data furnisher, despite overwhelming evidence to the contrary. 
I submitted a direct dispute to TransUnion, providing : A copy of the fully executed XXXX  settlement agreement A current XXXX  report showing the account has been deleted A current XXXX  report showing the account is not reported Despite this, TransUnion failed to conduct a reasonable investigation or correct the error, in direct violation of the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion is violating the following : FCRA 1681e ( b ) Failing to maintain maximum possible accuracy by reporting an account deemed unverifiable by XXXX  and not present on XXXX.

FCRA 1681i ( a ) Failing to properly reinvestigate my dispute. TransUnions investigation appears to rely entirely on automated data-matching systems ( e.g., e-OSCAR ) and not on the documentary evidence I submitted.

FCRA 1681i ( a ) ( 5 ) ( A ) If disputed information can not be verified, it must be deleted. TransUnion has not complied.

FCRA 1681s-2 ( b ) The data furnisher ( XXXX XXXX ) has a duty to investigate disputes and notify all CRAs of any inaccuracies. XXXX XXXX deleted the account with XXXX  ; TransUnion should not be relying on any conflicting verification from the same furnisher. 
I have made every effort to resolve this directly with TransUnion. I have sent a formal written dispute with evidence that the account is unverifiable and legally resolved. TransUnions continued publication of this negative tradeline is damaging my credit, violating federal law, and causing harm. 
I am requesting that the CFPB require TransUnion to : Immediately and permanently delete the XXXX XXXX account Issue written confirmation of deletion Notify any users of my TransUnion report in the last 6 months that the account has been removed Cease all future reporting of the account unless fully certified under FCRA 1681i ( a ) ( 5 ) ( B ) Failure to act would be a clear case of willful noncompliance under FCRA 1681n and 1681o, which permit private civil actions, statutory damages, and punitive relief.

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