Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
COMPLAINT TO CONSUMER FINANCIAL PROTECTION BUREAU Subject : URGENT : Failure of Verification Process and Continued Inaccurate Reporting Complainant Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038-7170 To Whom It May Concern : I am filing this formal complaint against TransUnion and several furnishers for their FAILURE TO CONDUCT PROPER INVESTIGATIONS of my previous disputes, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my prior disputes, these entities have improperly " verified '' information that can not possibly be verified through any reasonable investigation, as required by law.

PRIOR DISPUTE FAILURE AND DEMAND FOR REMOVAL I previously disputed the following items, which were incorrectly " verified '' without proper investigation : XXXX. XXXX XXXXXXXX XXXX XXXX ( Reported XX/XX/XXXX ) Current Status : 60-89 days late with {$120.00} past due Balance : {$790.00} ( 114 % of limit ) DEMAND FOR REMOVAL : TransUnion and this furnisher have FAILED to provide documentation proving this account is accurately reported. They merely " parroted back '' the same information without conducting the " reasonable investigation '' required by 15 U.S.C. 1681i. The verification process was a sham that violated my rights under the FCRA. 

XXXX. XXXX XXXXXXXX XXXX XXXX ( Reported XX/XX/XXXX ) Current Status : 30-59 days late with {$78.00} past due Balance : {$650.00} ( 130 % of limit ) DEMAND FOR REMOVAL : Neither TransUnion nor this furnisher has provided any evidence that they reviewed actual payment records or account documentation during their " verification. '' No reasonable investigation could confirm this account is accurately reported, as required by CFPB XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXX Collection ( Reported XX/XX/XXXX ) Amount : {$390.00} collection Original Creditor : XXXX XXXX XXXX DEMAND FOR REMOVAL : This account is already marked as " information disputed by consumer '' yet remains on my report. This proves TransUnion 's verification process is defective. The debt collector has FAILED to validate this debt as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), making any reporting a violation of the FCRA. 

XXXX XXXX XXXX Duplicate Auto Loans ( Reported XX/XX/XXXX ) Status : Both marked " Derogatory '' with identical " Settled-less than full balance '' remarks DEMAND FOR REMOVAL : The presence of IDENTICAL duplicate accounts for the same debt is XXXX XXXX evidence that no actual investigation occurred. NO reasonable investigation could conclude that duplicate reporting of the same debt is accurate. 

LEGAL VIOLATIONS REQUIRING IMMEDIATE INTERVENTION FAILURE OF INVESTIGATION PROCEDURES ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : TransUnion has failed to conduct a proper " reinvestigation '' as they merely accepted the furnishers ' assertions without independent verification. Multiple court cases, including XXXX XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX have established that " parroting '' information from furnishers without additional investigation violates the FCRA. 
FAILURE TO REVIEW ALL RELEVANT INFORMATION ( 15 U.S.C. 1681i ( a ) ( 4 ) ) : TransUnion has failed to review and consider all relevant information submitted by me in my previous disputes.

FURNISHER INVESTIGATION FAILURES ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ) : The creditors named have failed to : Conduct proper investigations of disputed information Review all relevant information provided by the CRA Report the results of investigations to all CRAs Modify, delete, or permanently block inaccurate information NEGLIGENT AND WILLFUL NONCOMPLIANCE ( 15 U.S.C. 1681n and 1681o ) : The continued reporting of these disputed items after failed " verification '' constitutes willful and/or negligent noncompliance with the FCRA. 

DEMAND FOR REGULATORY ACTION Based on these serious violations, I DEMAND that the CFPB : ORDER TransUnion to IMMEDIATELY REMOVE the disputed items in their entirety IMPOSE PENALTIES on TransUnion and the furnishers for their failed dispute procedures REQUIRE TransUnion to provide documentation of the actual steps taken in their previous " investigation '' PROHIBIT the re-reporting of these disputed items without proper verification that complies with all FCRA requirements AUDIT TransUnion 's dispute procedures for systemic failures These inaccuracies have severely damaged my credit score ( currently XXXX ), resulting in : Denial of essential financial services Excessive interest rates averaging XXXX % Housing application rejections Loss of employment opportunities I reserve all rights under the FCRA, including the right to pursue private action against both the furnishers and TransUnion for damages resulting from these violations. 
I hereby certify under penalty of perjury that the information in this complaint is true and accurate to the best of my knowledge. 
Sincerely, XXXX XXXX XXXX ATTACHMENTS Copy of TransUnion Credit Report dated XX/XX/XXXX NOTE TO CFPB : This is my second attempt to resolve these issues through proper channels. The verification process has failed to protect my rights under federal law, necessitating your immediate regulatory intervention.

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