Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\n\nTo Whom It May Concern:\n\nMy name is XXXX XXXX, and I am submitting this formal complaint against TransUnion for ongoing and repeated violations of the Fair Credit Reporting Act (FCRA) and Metro 2 Compliance guidelines. I have submitted multiple disputes, along with an FTC Identity Theft Report (Report XXXX and supporting documents, yet TransUnion continues to report fraudulent, inaccurate, and unverifiable accounts on my credit file. These entries are causing me serious and ongoing harm.\n\nThis dispute contains material that cannot be adequately reduced to standard e-OSCAR codes. This dispute must be reviewed by a live human investigator for full legal compliance under FCRA  1681i and  1681e(b).\n\n\n\nTransUnion has violated the following federal laws:\n\t\t15 U.S.C.  1681e(b)  Failing to ensure maximum possible accuracy of the information it reports.\n\t\t15 U.S.C.  1681i(a)  Failing to conduct a full, lawful reinvestigation upon receiving consumer disputes.\n\t\t15 U.S.C.  1681c-2  Failing to block and permanently delete identity theft-related accounts after receiving proper identity theft documentation.\n\t\t15 U.S.C.  1681g(a)  Failing to provide me with all information in my file, including documents used for verification.\n\t\t15 U.S.C.  1681s-2(b)  Failing to delete or correct inaccurate, incomplete, or unverifiable information after being notified.\n\t\t15 U.S.C.  1681b  Failing to establish or document a permissible purpose for collecting, using, or reporting my personal credit data.\n\t\t15 U.S.C.  1681i(a)(6)(B)(iii)  Failing to provide the method of verification, including the name, address, and phone number of the furnisher of the disputed information.\n\t\tFailure to prove ownership  TransUnion has not produced any signed applications, contracts, or documents proving these accounts are mine, violating the FCRA and my consumer rights.\n\nDespite my submission of identity theft documentation and multiple formal disputes, TransUnion continues to respond with generic form letters claiming that the accounts were verified as accurate, while failing to provide any documentation, method of verification, or signed proof of ownership.\n\n\n\nI am demanding immediate and permanent deletion (not correction) of the following accounts:\n\n\n\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nViolations:\nThese are identity theft accounts reporting false charge-offs and late payments. TransUnion has failed to provide verification, ownership documentation, or furnish proof of any contract. I demand these be permanently deleted under FCRA  1681c-2 and  1681i.\n\n\n\n2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXViolations:\nThis account is falsely reporting multiple back-to-back 120-day late payments, which are entirely inaccurate. I have never been late on this account. TransUnion has failed to provide signed documentation, investigation details, or proof that this information is accurate. I demand permanent deletion under  1681e(b) and  1681i(a).\n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nViolations:\nThis fraudulent account is reporting multiple 30, 60, 90, 120-day late payments and charge-offs. I never opened this account. TransUnion has not provided proof of ownership or any verification records. I demand permanent deletion under FCRA  1681c-2 and Metro 2 guidelines.\n\n\n\n4XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX\n\nViolations:\nThis account, tied to identity theft, is reporting multiple charge-offs. TransUnion has ignored my identity theft documentation and failed to verify the account or provide ownership proof. I demand permanent deletion under  1681c-2 and  1681i.\n\n\n\nSummary and Legal Demand:\n\nI have provided TransUnion with:\n\t\tMultiple written disputes\n\t\tAn FTC Identity Theft Report\n\t\tCopies of my ID and proof of address\n\t\tSpecific account details and proof of errors\n\nTransUnion has failed to comply with the law. If TransUnion cannot provide:\n\t\tThe method of verification,\n\t\tA full and detailed reinvestigation,\n\t\tSigned applications, contracts, and ownership proof,\n\t\tDocumentation verifying the accuracy of each account,\n\nThen these accounts must be permanently deleted from my file.\n\nTransUnions failure to correct or delete inaccurate and fraudulent accounts after multiple lawful disputes and identity theft documentation constitutes willful noncompliance with federal law. I respectfully demand the Consumer Financial Protection Bureau take immediate action to compel TransUnion to:\n\t\tPermanently delete all accounts listed above,\n\t\tCease all further reporting of unverifiable or fraudulent information,\n\t\tConfirm deletions in writing,\n\t\tConduct a full investigation reviewed by a live human as required by law.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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