Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this NEW CFPB complaint because TransUnion failed to comply with the Fair Credit Reporting Act ( FCRA ) in response to my original dispute filed via the CFPB portal on XX/XX/XXXX. 

Under FCRA 1681i ( a ) ( 1 ) ( A ), TransUnion was legally required to complete a proper reinvestigation of my disputed accounts and provide a response within 30 days. 

TransUnion failed to provide a timely response. Their response was issued well beyond the 30-day timeframe required by law, which constitutes a direct violation of the FCRA.

Furthermore, TransUnions response was inadequate and generic. It failed to provide a specific description of the procedures used to verify the disputed information and failed to provide the required contact information for the furnishers as mandated under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

In addition, one of the collection agencies involved in this dispute provided me with nothing more than a copy of an old application with the original creditor in response to my debt validation request. However, this does NOT satisfy the legal requirement under FDCPA 1692g ( a ) or FCRA 1681i. 

According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) and XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX XXXX  XXXX ), verification of the debt must include sufficient documentation to demonstrate that the debt collector has the legal right to collect the debt. Merely providing a copy of an old application or billing statement does NOT prove debt ownership, does NOT establish a chain of assignment, and does NOT provide proof of the right to report this debt to credit bureaus. 

The FTC Staff Commentary on FDCPA 1692g further clarifies that : A debt collector must be able to demonstrate that it has authority to collect the debt. Merely providing a copy of a bill or application does not suffice. 

Because the collection agency failed to provide written documentation demonstrating legal ownership of the debt, reporting this debt to TransUnion constitutes a willful violation of both FDCPA 1692g and FCRA 1681e ( b ). 

In addition, TransUnions use of the automated EOSCAR system to process my dispute does not meet the FCRAs standard for a reasonable reinvestigation. Transmitting generic codes through XXXX is NOT an actual investigation into the accuracy of the information being reported. 

Due to TransUnions material violations of FCRA 1681i and 1681e ( b ) and the underlying FDCPA 1692g ( a ) violations by its furnisher, I am requesting that this matter be escalated for enforcement action. I am also filing a complaint with the FTC and have prepared a Final Demand Letter to TransUnions legal department pursuant to FCRA 1681n for willful noncompliance.

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