Consumer complaint received 2025-11-04 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: NJ

Complaint narrative:
b'Subject: Formal Complaint Submission  Systematic FCRA Violations by Transunion, Equifax, Experian & XXXX XXXX (Parts 1 & 2 with Exhibits)\n\nTO:\n\nConsumer Financial Protection Bureau\nXXXX XXXX XXXX XXXX XXXX\nWebsite: consumerfinance.gov/complaint/\n\nDear Regulatory Authorities and Corporate Officers,\n\nI am submitting this formal complaint for your review and enforcement consideration regarding ongoing violations of the Fair Credit Reporting Act (FCRA) and related consumer protection laws by Transunion, Equifax, Experian and XXXX XXXXl.\n\nOver the past two years, I have made repeated certified-mail submissions and provided notarized affidavits to both entities in an effort to correct false, incomplete, and unverified credit information. Despite clear documentation and statutory notices, Transunion, Equifax, Experian and XXXX XXXX  have failed to conduct lawful reinvestigations, provide proper debt validation, or disclose a method of verification as required under federal and state lawincluding statutes in Utah, Texas, Georgia, New Jersey, and Pennsylvania.\n\nThis submission includes two parts: (Experian and Transunion attached to this complaint, working on Equifax supporting exhibits.)\n\nPart 1: A 15-page formal complaint outlining the full chronology of disputes, statutory violations, and supporting evidence (XXXX XXXX).\n\nPart 2: Supplemental documentation (XXXX XXXX) including credit reports, certified-mail receipts, and correspondence that further demonstrate the systemic noncompliance and reporting inconsistencies.\n\nThe core violations include:\n\nFailure to conduct reasonable reinvestigation  15 U.S.C.  1681i(a)(1)\nFailure to provide a Method of Verification   1681i(a)(6)(B)(iii)\nFailure to delete unverifiable information   1681i(a)(5)\nFailure to maintain maximum possible accuracy   1681e(b)\nFurnishing inaccurate data and failing to investigate disputes   1681s-2(a),(b)\nSystemic re-aging and contradictory Metro 2 status coding\n\nDespite my documented overpayment of XXXX XXXX XXXX XXXXresulting in an XXXX XXXX XXXX  continues to report a XXXX balance. I respectfully demand its deletion or correction to paid as agreed status, along with removal of any derogatory notations.\n\nTo resolve this matter, I request the following:\n\n1. Full validation of the alleged debt, including:\n2. Monthly statements from XXXX XXXX XXXX XXXX XXXX\n3. A copy of the original terms of agreement\n    permissible purpose\n4. Disclosure of the method of verification used by Transunion\n\nThis method of Verification should include: \n\n 1. Detailed Description of Verification Procedure  Identify the individual, \ndepartment, or contractor who verified the disputed tradeline; What information \nand evidence did the Data furnisher provide other than their promise or words that \nthe alleged debt exists? \n2. Documentary Evidence  Copies of all records relied upon, including contracts, \nstatements, agreements, disclosure forms, and payment records; \n3. Reinvestigation File Summary  Notes, internal communications, and data \nexchanges with XXXX XXXX \n4. Chain-of-Custody Records  Showing the transfer, receipt, and handling of data \nbetween TransUnion and XXXX XXXX \n5. Permissible Purpose Documentation  Proof of authority under 1681b to report \nor access this tradeline. \n6. All Data Disclosure forms along with original agreement.  \n7. Validation of Debt from XXXX overpayment in XXXX XXXX  to a charge off of XXXX  and \nany fees such as interest, late payments, and other charges incurred with this \nCharge off.  \n8. What method and evidence Transunion used to allow a Charge off and a \ncollection to report simultaneously on the consumer report? \n\nFailure to comply will constitute willful noncompliance under 1681n and negligent \nnoncompliance under 1681o, subjecting TransUnion, Equifax, and Experian to statutory and actual damages.\n                                                        \nI respectfully submit this complaint as a final effort to resolve the matter outside of court. In the interest of judicial efficiency, I have exhausted all administrative remedies and dispute channels. Your agencys review and enforcement action may prevent unnecessary litigation and demonstrate that I pursued every lawful avenue in good faith. I trust that your office will take appropriate steps to ensure compliance, promote regulatory accountability and protect consumer rights.\n\nThank you for your attention to this matter. I trust your office will take appropriate steps to ensure compliance and protect consumer rights.\n\nFinal Note Regarding Equifax:\n\nPlease be advised that I have attached formal complaints and supporting Exhibits against Experian and TransUnion. However, Equifax has engaged in the same pattern of misconduct. Their reporting is equally inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act (FCRA), including failure to provide a lawful method of verification.\n\nI am in the process of completing the Equifax-specific documentation and expect to submit it within the next few days. The volume of evidence is overwhelming and further confirms that all three major consumer reporting agenciesExperian, TransUnion, and Equifaxhave systematically failed to uphold their statutory obligations. This note serves to preserve the record and ensure that Equifaxs violations are considered in parallel with the others.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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