Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
I am filing this complaint to address the ongoing violations of federal and state laws by TransUnion and XXXX XXXX XXXX  regarding the inaccurate and unverifiable reporting of a fraudulent account on my credit report. Despite my numerous attempts to resolve this matter, both entities have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Metro 2 standards, and the Texas Finance Code. 

Key Facts and Timeline of Events : Fraudulent XXXX XXXX, XXXX Account : Account Name : XXXX XXXX XXXX Account Balance : {$2700.00} Reporting History : Monthly collections reported from XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX FTC Identity Theft Report Filed : I discovered the fraudulent nature of this account and immediately filed an FTC Identity Theft Report ( Reference Number : XXXX ). Under FCRA 605B, TransUnion was required to block the fraudulent information within XXXX business days of receiving this report but failed to do so. 
XX/XX/XXXX Debt Validation Request Sent to XXXX XXXX, XXXX : I sent a certified letter to XXXX XXXX  XXXX disputing the validity of the debt and requesting proper validation under FDCPA 1692g ( b ).

This letter was received and signed for, as evidenced by the green return receipt from the U.S. Postal Service. 
Despite allowing over 30 days for a response, XXXX XXXX, XXXX failed to provide any documentation or validation of the debt, violating FDCPA 1692g ( b ) and FCRA 1681s-2 ( b ). 
XX/XX/XXXX Dispute Filed with TransUnion : I formally disputed the XXXX XXXX  account with TransUnion, providing the FTC Identity Theft Report and other supporting documentation. 
TransUnion failed to conduct a reasonable reinvestigation as required under FCRA 1681i ( a ) and continued to report the fraudulent account without verifying its accuracy. 
XX/XX/XXXX Complaints Filed with CFPB, XXXX, and Texas Consumer Protection Division : I filed complaints against TransUnion and XXXX XXXX, LLC with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX  ), and Texas Attorney Generals Office. 
Despite these efforts, TransUnion and XXXX XXXX, XXXX failed to take corrective action or provide adequate responses. 
Violations of Federal Laws 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : TransUnion failed to ensure maximum possible accuracy of the information reported about the XXXX XXXX, XXXX account. 
The continued reporting of this unverifiable account constitutes a breach of this section. 
15 U.S.C. 1681i ( a ) : TransUnion failed to conduct a reasonable reinvestigation of the disputed account. Instead, they relied on automated processes like E-OSCAR, which do not meet the legal standard for a reasonable investigation.

15 U.S.C. 1681s-2 ( b ) : XXXX XXXX, XXXX failed to investigate and verify the accuracy of the disputed information after receiving notice from TransUnion.

15 U.S.C. 1681n and 1681o : TransUnion and XXXX XXXX, XXXX are liable for willful and negligent noncompliance with the FCRA, entitling me to statutory, punitive, and actual damages. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( b ) : XXXX XXXX, XXXX failed to validate the debt after receiving my formal dispute and debt validation request. 
15 U.S.C. 1692e : XXXX XXXX, XXXX reported false and misleading information about the debt, violating the FDCPAs prohibition against deceptive practices. 
15 U.S.C. 1692f : Allowing the continued reporting of inaccurate debts constitutes unconscionable practices under the FDCPA. 
Violations of Texas State Laws Texas Finance Code, XXXX XXXX : 392.304 : XXXXXXXX XXXX XXXX misrepresented the character, amount, or legal status of the debt. 
XXXX : XXXX XXXX, XXXX failed to correct inaccurate debt information after receiving notice of dispute. 
XXXX : XXXX XXXX, XXXX failed to provide proof of the required surety bond filed with the Texas Secretary of State, which is necessary for debt collectors operating in Texas.

Metro 2 and E-OSCAR Compliance Issues Metro 2 Compliance Violations : Metro 2 standards require accurate and complete reporting of consumer credit information. TransUnions failure to verify and correct the disputed account reflects non-compliance with these standards.

E-OSCAR Compliance Violations : TransUnions reliance on automated verification processes like E-OSCAR without a thorough manual review violates the principles of E-OSCAR compliance, which mandate reasonable investigation efforts. 
Applicable Legal Precedents XXXX XXXX Trans Union Corporation ( XXXX ) : Reinforces the need for CRAs to conduct thorough investigations beyond relying on information from the original source. 
XXXX XXXX Trans Union , LLC ( XXXX ) : Highlights the obligation of CRAs to ensure maximum possible accuracy and conduct reasonable investigations. 
Impact on Me as a Consumer The continued reporting of this fraudulent account has caused significant harm, including : Credit Damage : My credit score has been negatively impacted, resulting in denial of credit opportunities. 
Emotional Distress : The repeated failures to resolve this issue have caused undue stress and frustration. 
Financial Loss : I have incurred costs related to sending certified mail, filing complaints, and seeking legal advice. 
Requested Actions I respectfully request that the CFPB take immediate action to hold TransUnion and XXXX XXXX  XXXX accountable for their violations of federal and state laws. Specifically, I request the following : Immediate Removal of the Fraudulent Account : TransUnion must delete the XXXX XXXX, XXXX account from my credit report. 
Compliance with Federal and State Laws : TransUnion and XXXX XXXX, XXXX must comply with the FCRA, FDCPA, Metro 2 standards, and Texas Finance Code. 
Compensation for Damages : I seek statutory, punitive, and actual damages for the harm caused by their willful and negligent noncompliance. 
Enhanced Oversight : The CFPB should investigate TransUnions reliance on E-OSCAR and ensure compliance with reasonable investigation standards under the FCRA. 
Supporting Documentation I have attached the following documents to support my complaint : FTC Identity Theft Report ( Reference Number : XXXX ) Debt Validation Request Sent to XXXX XXXX, XXXX XXXX USPS Return Receipt Confirming Delivery of Validation Request Credit Report Highlighting the Fraudulent Account Formal Dispute Letters Sent to TransUnion Responses from TransUnion, XXXX, and Texas Attorney General Conclusion The actions ( and inaction ) of TransUnion and XXXX XXXX, XXXX are clear violations of federal and state laws. I urge the CFPB to take immediate and decisive action to address these violations, protect consumers, and ensure compliance with established laws and regulations. 

Respectfully, 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