Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
CFPB Complaint Against TransUnion LLC Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondent : TransUnion LLC Summary of Complaint : I am filing this complaint against TransUnion LLC for continuing to report false and fraudulent information concerning XXXX on my credit file. Despite my dispute, TransUnion has refused to conduct a proper reinvestigation and has wrongfully used the excuse of 'litigation involved ' to avoid its statutory obligations under the Fair Credit Reporting Act ( FCRA ). 

This is a new matter, separate from any existing litigation I have against TransUnion, because it involves new reporting and ongoing violations connected to XXXX. TransUnions refusal to reinvestigate is a direct attempt to obstruct my rights and discriminate against me as a consumer by falsely claiming that my dispute can not be handled administratively due to prior litigation.

Violations of Law : 15 U.S.C. 1681i ( FCRA Reinvestigation of Disputed Information ) : TransUnion is required to reinvestigate disputed items and delete any information that can not be verified. Instead, they improperly denied my dispute, citing litigation.

15 U.S.C. 1681c-2 ( FCRA Block of Information Resulting from Identity Theft ) : I have already submitted identity theft documentation, which requires immediate removal of disputed tradelines within four business days.

15 U.S.C. 1681s-2 ( Duties of Furnishers ) : TransUnion continues to accept and report false data from XXXX, despite notice that the account is fraudulent.

15 U.S.C. 1692e ( FDCPA False or Misleading Representations ) : By continuing to publish and disseminate fraudulent account data, TransUnion facilitates unlawful collection activity, damaging my reputation and access to credit.

Pattern of Delay and Discrimination : TransUnions tactic of misclassifying disputes as 'litigation involved ' is an unlawful delay strategy. This tactic prevents timely resolution of ongoing identity theft issues and serves as a discriminatory barrier against consumers who have previously exercised their right to sue.

The CFPB must investigate this systemic practice, as it violates the intent of the FCRA and effectively denies me the right to accurate credit reporting.

Harm Suffered : Ongoing damage to my credit reputation.

Denials of housing, bank accounts, and loans.

Emotional distress and financial hardship caused by false reporting.

Requested Relief : Immediate deletion of the XXXX account and any other fraudulent accounts related to this identity theft dispute.

Removal of any derogatory personal statement or internal notations by TransUnion used to justify blocking my disputes.

CFPB enforcement action against TransUnion for systemic abuse of the 'litigation involved ' excuse.

Compensation for damages under FCRA and FDCPA, including maximum statutory damages, punitive damages, and other relief as permitted by law.

A copy of the full reinvestigation procedure and documentation TransUnion allegedly relied on in 'verifying ' the XXXX  account.

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