Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Second Formal Complaint Consumer Rights Violations and Improper Reporting Under FCRA, FDCPA, and TILA To : Consumer Financial Protection Bureau ( CFPB ) I am filing this second formal complaint to report ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by TransUnion and the data furnisher XXXX 

Despite prior disputes and the submission of a valid FTC Identity Theft Report ( Report # XXXX ), TransUnion continues to report inaccurate and harmful informationinformation that was shared and published without my knowledge or lawful authorization, in clear violation of multiple federal statutes.

Violations Committed : 1. Unlawful Sharing and Use of Non-Public Personal Information Under 15 U.S.C. 1681b ( a ) ( 2 ) and 1681a ( 4 ), consumer reporting agencies are strictly limited in when and how they may share non-public personal information. In this case, I never authorized TransUnion, XXXX, or any third party to access, share, or publish my personal or credit-related data. Doing so without proper consent is a direct violation of my privacy rights. 

XXXX. Inconsistent and Inaccurate Reporting Across Bureaus A critical and damaging error exists in how this account is reported : TransUnion is the only credit bureau that is reporting this account. This inconsistency alone demonstrates that the data is unreliable and raises serious questions about its validity, completeness, and accuracya violation of the requirement under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to assure " maximum possible accuracy. '' 3. Failure to Conduct a Reasonable Investigation Despite prior disputes, TransUnion has failed to provide any documentation or physical verification of the origin or authorization for the account. Instead, they rely on automated systems such as e-OSCAR, which do not meet the legal standards for a meaningful investigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ).

4. TILA and FDCPA Violations The creditor has not provided clear disclosures, billing accuracy, or validation as required by TILA. Moreover, the failure to ensure accuracy and transparency in furnishing the account datadespite multiple disputesconstitutes deceptive conduct and violation of FDCPA 1692e and 1692g. 

Account Reported in Error : Creditor Name : XXXX Partial Account # : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Status : Collection / Chargeoff Reporting Bureau XXXX TransUnion ( Only ) Legal Authorities and Case Law Supporting This Complaint : Cortez v. Trans Union , LLC , 617 F.3d 688 Bureaus must thoroughly investigate and not rely solely on automated systems.

Cushman v. Trans Union Corp. Reasonable investigations require human review, not automated responses. Guimond v. Trans Union Reinforces responsibility to correct or delete inaccurate or inconsistent information.

15 U.S.C. 1681b Limits permissible purposes for accessing consumer information.

15 U.S.C. 1681c-2 Requires immediate blocking of data resulting from unauthorized use of identity.

15 U.S.C. 1681i ( a ) ( 5 ) Obligation to delete unverifiable or erroneous data.

15 U.S.C. 1681e ( b ) Requires procedures to ensure maximum possible accuracy.

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