Consumer complaint received 2025-06-10 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:
CFPB Complaint TransUnion FCRA Violations Consumer : XXXX XXXX Reporting Agency : TransUnion Date of Response : XX/XX/XXXX File Number : XXXX Accounts in Dispute : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Summary of Complaint : I am filing this complaint against TransUnion for multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ). Despite submitting detailed disputes and demanding proper verification, TransUnion : 1. Verified all disputed accounts as " accurate '' without providing a single piece of documentary evidence.

2. Updated some data fields, yet continued reporting inaccurate, incomplete, or outdated derogatory information.

3. Used vague and generic language that fails to explain how or why the data was deemed accurate, or what exactly was updated.

Requested Resolution : 1. Immediately delete all disputed accounts listed above from my credit file due to lack of proper verification and evidence.

2. Provide complete documentation or contracts used to justify the verified status of each account.

3. Sanction TransUnion for repeated and negligent FCRA violations.

4. Require future investigations to include meaningful verification, not automated responses. 





Detailed Issues Identified : XXXX XXXX XXXX XXXX XXXXXXXX TransUnion marked it Updated, but continued reporting 120-day late payments from XXXX with no proof of validity. 

No documentation from the creditor was provided. Remarks contradict themselves ( " Charged Off '' + " OK '' ratings ).

This is a violation of 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) and 1681s-2 ( b ) ( furnisher duty to correct inaccuracies ). 


XXXX  XXXX XXXX # XXXX Marked as Verified as Accurate. 

Still reports 120-day delinquencies for XXXX and an unpaid charged-off balance of {$10000.00}, yet no evidence or contract was attached. 


XXXX XXXX XXXXXXXX # XXXX Also marked Verified, despite reporting a charged-off balance of {$12000.00} since XXXX. 

Payment history still shows severe derogatory marks, with no explanation of source data or verification method. 


XXXX XXXX # XXXX TransUnion claims this account is Verified as Accurate.

However, it continues reporting 120-day delinquencies and a charged-off balance without any proper validation, contract, or statement. 


XXXX XXXX & XXXX XXXX All these accounts were marked " Verified '' despite being either paid, settled, or charged off years ago. 

TransUnion did not remove outdated or misleading remarks, violating 1681e ( b ) and 1681c ( a ) ( 5 ) ( outdated account limits ).

Violations Summary : Failure to conduct a proper reinvestigation ( 1681i ( a ) ).

Continued reporting of unverifiable, outdated, and misleading information.

Refusal to provide documentary proof from furnishers.

Willful and negligent noncompliance with consumer rights.

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