Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
Subject : TransUnion Willful Verification of a Tradeline Without a Furnisher Complaint Type : Supplemental complaint to CFPB Complaint ID # XXXX Product : Credit reporting or other personal consumer reports Issue : Failure to conduct reasonable reinvestigation ; inaccurate reporting Narrative : This complaint is directed against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., relating to its handling of the XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX tradeline. 

On XX/XX/XXXX, XXXX submitted a written response to CFPB Complaint ID # XXXX, in which it unequivocally stated : On XX/XX/XXXX, the LOC was sold to a third-party debt buyer, XXXX, XXXX ( XXXX ). 

XXXX is no longer servicing the XXXX since it is not currently owned by XXXXXXXX XXXX 

XXXX has not attempted to collect on XXXX debt since the XXXX was sold to XXXX. 

By its own admission, XXXX no longer owns, services, or furnishes information regarding this account. 

Despite this, TransUnion issued dispute results dated XX/XX/XXXX, in which it verified this tradeline as accurate and continued to report it as Purchased by another lender and Paid Collection. TransUnion represented that this tradeline was verified by the furnisher. If XXXX is no longer furnishingas its written response to a federal regulator confirmsthen it was legally impossible for TransUnion to obtain verification through a legitimate furnisher. 

This establishes one of two unlawful scenarios : False Verification : TransUnion falsely attributed verification to XXXX ( or another entity ), when in fact no legally authorized furnisher responded ; or Deficient Reinvestigation : TransUnion failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and merely rubber-stamped the tradeline as verified without a valid furnisher response.

Either outcome constitutes willful noncompliance with the FCRA.

Violations by TransUnion : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation. 

15 U.S.C. 1681e ( b ) : Failure to assure maximum possible accuracy by continuing to report a tradeline when the identified furnisher has disclaimed responsibility.

15 U.S.C. 1681g ( a ) ( 2 ) : Failure to disclose the actual source of verification in dispute results.

15 U.S.C. 1681n : Willful noncompliance with federal law, exposing TransUnion to statutory and punitive damages. 

Relief Requested : Immediate deletion of the XXXX tradeline from my TransUnion credit file ; Written confirmation of deletion ; Preservation of all XXXX/e-OSCAR records, internal dispute logs, and communications with any alleged furnisher for litigation purposes. 

Conclusion : XXXX own admissions render XXXX XX/XX/XXXX verification legally untenable. TransUnion has either fabricated a verification or conducted a sham reinvestigation. Both outcomes violate the FCRA and will form the basis of a federal action in the XXXXXXXX XXXX XXXX XXXX if not remedied immediately.

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