Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
To Whom It May Concern, This is a formal dispute and final demand for TransUnion to immediately correct inaccurate and damaging information on my credit file. The following tradelines are reporting false late payments or past due balances : XXXX XXXX reporting as past due {$100.00} as of XX/XX/XXXX. 
XXXX XXXX XXXX showing balance reporting with prior dispute remarks. 
XXXX XXXX reporting inaccuracy requiring correction to paid as agreed. 

These entries are inaccurate and must be corrected to reflect Paid as Agreed / On Time.

FCRA Violations by TransUnion 1. FCRA 607 ( b ) Maximum Possible Accuracy TransUnion has a legal obligation to ensure that all information reported is accurate. Reporting false past-due balances and late payments violates this section.

2. FCRA 611 Reasonable Reinvestigation When I previously disputed these inaccuracies, TransUnion responded with verified results without conducting a lawful reinvestigation. Instead, TransUnion parroted furnishers responses through e-OSCAR. This is a textbook sham investigation, already condemned by regulators.

3. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Method of Verification ( MOV ) TransUnion has failed to provide the required MOV when verifying these items. This denies me my statutory rights and further demonstrates bad-faith dispute handling.

Regulatory Enforcement Against TransUnion In 2017 and 2022, the CFPB fined TransUnion millions for deceiving consumers, failing to properly investigate disputes, and misrepresenting credit products.

TransUnion has been repeatedly cited for sham investigations and failure to provide accurate dispute results, the same misconduct at issue here.

The FTC and CFPB consent orders explicitly prohibit TransUnion from ignoring evidence of inaccuracies or rubber-stamping furnisher responses. By doing so in my case, TransUnion is in willful contempt of prior federal enforcement actions.

TransUnion Data Breach TransUnion also suffered multiple data breaches ( including the widely reported breaches exposing consumer information ), placing my personal data at risk and increasing the likelihood of fraudulent or inaccurate reporting. Continuing to mishandle my disputes after exposing my sensitive information constitutes gross negligence and reckless disregard for consumer rights.

Corrective Action Demanded I am demanding immediate correction of the above accounts. Specifically : XXXX XXXX update to reflect Paid as Agreed / On Time, remove false past-due balance. 
XXXX XXXX XXXX update payment history to reflect XXXX as Agreed / On Time. 
XXXX XXXX correct to Paid as Agreed / On Time. 

Correct e-OSCAR dispute codes that should have been applied : 112 Inaccurate information, update to correct 020 Payment history inaccurate Final Notice Before Escalation TransUnion has 15 days from receipt of this letter to : 1. Correct the above tradelines to reflect accurate reporting.

2. Provide the Method of Verification ( MOV ) used in my prior disputes.

3. Issue a corrected copy of my TransUnion credit report.

If TransUnion fails, I will : File complaints with the CFPB, FTC, and XXXX  XXXX  Attorney General, citing TransUnions repeat violations and data breach negligence.

Pursue civil litigation under FCRA 616 and 617 for statutory damages ( {$1000.00} per violation ), actual damages, attorneys fees, and punitive damages for willful noncompliance.

TransUnion has been fined and investigated for these exact unlawful practices before. If you repeat them in my case, I will treat it as deliberate consumer harm and fraud by omission. 



Sincerely, XXXX XXXX XXXX XXXX ( XXXX & XXXX previously provided

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