Consumer complaint received 2025-06-11 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:
I am filing this complaint to escalate a serious and ongoing violation of my rights under the Fair Credit Reporting Act by TransUnion. I have now disputed the same unauthorized XXXX XXXX account ( Account # XXXX ) seven times since XX/XX/XXXX. My most recent disputes were submitted on XX/XX/XXXX and XX/XX/XXXX, but the only response I recently received was dated XX/XX/XXXX, which doesnt even address the most recent dispute. That response simply says the account was " verified as accurate '' without including any of the evidence I clearly demanded. I attached the last letter again with this complaint to show exactly what I asked for. I requested a copy of the original signed contract, the full name and contact information of the creditor that furnished the data, the name of the TransUnion representative who allegedly verified the account, a sworn statement under penalty of perjury from whoever supplied the information, and a complete explanation of the procedures TransUnion used to ensure the accuracy of the data as required by federal law. They failed to provide any of it. 

So TransUnion just accepts whatever the furnisher says and does nothing on their own? They do not question the obvious fact that this account appears only on TransUnions records and not on XXXX XXXX XXXX That alone should raise red flags. If the account were truly valid, all three credit bureaus would be reporting it. Creditors do not have the right to pick and choose which bureau to report to. This kind of selective and inconsistent reporting is exactly what the Fair Credit Reporting Act was written to prevent. TransUnion is clearly violating multiple provisions of that law. 

Under 15 U.S. Code 1681b, a credit reporting agency may only report information if it has a permissible purpose. I never authorized this account, and I never gave permission for it to be included in my credit file, meaning TransUnion is reporting data without a legally valid reason. Under 15 U.S. Code 1681e ( b ), they are required to follow reasonable procedures to ensure that all information they report is accurate and up to date. Repeating whatever the furnisher says without confirming the data themselves is not a reasonable procedure. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), they are required to conduct a reinvestigation and either correct or delete disputed information within 30 days. As of today, more than 45 days have passed since my last dispute, and they have failed to do so. Under 15 U.S. Code 1681i ( a ) ( 7 ), I also have the right to request a full description of how the information was verified. They completely ignored that too. 

This kind of behavior is not just sloppyit is intentional and harmful. TransUnion is knowingly reporting inaccurate and unverifiable information, refusing to fix it, and refusing to explain why. This is not how a credit bureau is supposed to operate. Their failure to correct known errors, provide verification, or remove unverified accounts violates my rights as a consumer. Under 15 U.S. Code 1681n and 1681o, any willful or negligent noncompliance with the FCRA makes them legally liable. 

In the case oXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXXXXXX XXXX XXXX  ), the court ruled that failing to remove inaccurate information and continuing to report it without proper investigation violated the Fair Credit Reporting Act. That case involved the exact same type of reckless conduct Im experiencing now. Just like in XXXX, TransUnion is damaging my credit and ignoring their legal obligations. 

I demand the full and permanent deletion of the XXXX XXXX account from my TransUnion file. I also demand a written explanation for why they are still reporting it, and I want enforcement action taken against TransUnion for repeatedly violating federal law and my consumer rights. Again, this is my XXXX time disputing this account this year.

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