Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this formal follow-up regarding my previously disputed XXXX XXXX XXXX  account ( XXXX ), which remains unverified, inaccurately reported, and unlawfully classified on my credit report. Despite my prior request, TransUnion has failed to conduct a proper reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ), making you liable for continued reporting of deceptive and inaccurate information. 

I. XXXX XXXX False Auto Loan Reporting Deceptive & Unlawful This account was never a traditional auto loan but rather a retail installment contract between myself and the seller. 
XXXX XXXX did NOT extend direct financing ; the classification as an auto loan is materially false and misleading under XXXX5 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
This misclassification artificially inflates my debt-to-income ratio, impacting my creditworthiness and violating the FTC Act ( 15 U.S.C. 45 ) against unfair and deceptive reporting.

II. TransUnions Willful Noncompliance with FCRA Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes inaccurate information. However, TransUnion has failed to : Provide any documented proof from XXXX XXXX verifying the legitimacy and classification of this account. 
Correct the false auto loan classification despite clear evidence of deceptive reporting. 
Ensure compliance with FCRA 1681e ( b ) by maintaining only accurate and verifiable information.

If TransUnion has not received verifiable, original documentation proving the accuracy of this account, then continuing to report it constitutes a willful violation of the FCRA and subjects TransUnion to liability under 1681n. 

III. Immediate Corrective Action Required To resolve this matter, I demand that TransUnion : 1. IMMEDIATELY DELETE the XXXX XXXX XXXX account ( XXXX ) from my credit report due to its inaccurate and unverifiable nature. 
2. Issue a written statement confirming the permanent removal of this account. 
3. Cease all further reporting of XXXX XXXX XXXX unless full verification is provided, including original signed contracts. 






III. TransUnions Legal Liability for Monetary Penalties This account has been wrongfully reporting for five years ( 60 months ), meaning TransUnion is liable for : {$1000.00} per month of willful FCRA violation under 1681n = {$60000.00} in statutory damages. 
Additional punitive damages for reckless and negligent reporting. 
Attorney fees and costs if legal action becomes necessary. 

If TransUnion continues to report this unverified and misleading account, it will be viewed as intentional malice, warranting maximum penalties. 

IV. Immediate Corrective Action Required To resolve this matter, I demand that TransUnion : 1. IMMEDIATELY DELETE the XXXX XXXX XXXX account ( XXXX ) from my credit report. 
2. Provide written confirmation of the accounts permanent removal.

3. Cease any reinsertion of this account unless full verification, including original signed contracts, is 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