Consumer complaint received 2025-12-16 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:
Beginning on XX/XX/XXXX, I disputed multiple accounts appearing on my TransUnion credit report that I believed to be inaccurate and unverified. TransUnion subsequently reported these accounts as verified without providing any meaningful explanation or evidence demonstrating how such verification was conducted. 

After receiving these results, I exercised my statutory right under 15 U.S.C. 1681i ( a ) ( 7 ) to request the Method of Verification ( MOV ). This request was sent via XXXX XXXX Mail and was received by TransUnion on XX/XX/XXXX. 

Instead of complying with its legal obligations, TransUnion improperly treated my Method of Verification request as a new dispute and issued generic responses that failed to provide : The name, address, and telephone number of each furnisher contacted. 

A written description of the specific procedures used to verify each disputed account ; or Any documentation relied upon in the verification process. 

This conduct directly violates FCRA 611 ( a ) ( 7 ), which requires consumer reporting agencies to provide a written description of their verification procedures upon request. A conclusory statement that information was verified, without disclosure of the actual verification process, does not satisfy the statute. 

At all relevant times, a fraud alert has been active on my credit file and remains in effect through XX/XX/XXXX, requiring heightened diligence. Despite this, TransUnion continued to report disputed accounts as verified without proper disclosure, verification, or compliance with statutory safeguards. 

Further, on my TransUnion credit report dated XX/XX/XXXX, there are no remarks indicating that certain accounts are disputed, despite my timely disputes and ongoing investigation requests. The failure to include dispute notations is misleading to third parties. It constitutes an additional violation of the Fair Credit Reporting Act for failing to reflect the status of the accounts accurately. 

Additionally, TransUnion relied on internal automated systems, including XXXX codes or reproductions of furnisher responses, rather than conducting or documenting a reasonable reinvestigation. Reliance solely on automated responses or a furnishers conclusory confirmation does not satisfy the FCRAs verification requirements and does not constitute a reasonable reinvestigation under 15 U.S.C. 1681i ( a ).

Moreover, the continued reporting of these accounts without proper verificationdespite my written debt validation requests to the furnishersconstitutes additional violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), and applicable state consumer protection statutes prohibiting unfair or deceptive acts or practices. 

I am submitting this complaint due to TransUnion LLCs persistent and systemic noncompliance with the Fair Credit Reporting Act, despite my repeated good-faith efforts to dispute inaccurate information, request validation, and obtain a lawful Method of Verification.

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