Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
No proof was ever sent to me that verified any of the disputed accounts or disputed public record listed on my consumer report. No proof was sent within 30 days. No reasonable investigation was conducted. Dispute results were sent without copies of verifying information ; no original contracts, no copies of late notices required to be sent by law under the Fair Credit Reporting Act ( FCRA ), no original copies of court filing were ever sent to me. Disputed reported accounts were never accurate or verified as accurate with accompanying proof sent, just unverifiable claims of accuracy or clever use of words that sound like accuracy was verified. 

Investigation results reading VERIFIED AS REPORTED or NO CHANGE NEEDED does not address accuracy of reporting. Especially when I researched the case number on PACER and I found multiple inaccuracies : 1. An incomplete attorney name. Which makes the report inaccurate, which means maximum accuracy is not being ensured or taking place. 2. An inaccurate court name. Which makes the report inaccurate, which means maximum accuracy is not being ensured or taking place. 3. In inaccurate Date Updated entry. Which makes the report inaccurate, which means maximum accuracy is not being ensured or taking place. I am disputing the accuracy of information in this file and the credit reporting company 's compliance with the law as it relates to all obligations under the law especially reporting incomplete, inaccurate, or unverifiable information without providing copies of original documentation to verify the disputed accounts and disputed bankruptcy public record. Failing at the requirement of ensuring maximum accuracy and verifiability. 

TransUnion has never provided investigation results that read, VERIFIED AS ACCURATE. Results reading NO CHANGE NEEDED or XXXX XXXX XXXX XXXXVERIFIED AS REPORTED is not the same as verifying accuracy. NO CHANGE NEEDED is outright ignoring what the consumer disputes. VERIFIED AS REPORTED doesnt address accuracy of the reporting ; it just means they are reporting information regardless of the accuracy. Both are a refusal to follow the law and comply with the FCRA and delete the disputed information. The only way they may continue to report is if they have verified as accurate. Not once have investigation results come back reading those words VERIFIED AS ACCURATE. Delete this public record from the consumer report. Its unverifiable, inaccurate, and incomplete. This meets all the requirements for deletion under the FCRA even though only one needs to be met for deletion. The third party that TransUnion uses for furnishing bankruptcy information, XXXX, who has no first-hand knowledge of the consumer or their financial dealings, sent the following response basically saying they could not verify because they dont have the information they need to verify. Thats why they requested so much information in their CFPB response. 

In order to assist XXXX in further reviewing [ Name ] dispute regarding the completeness or accuracy of this publicly available bankruptcy information, [ Name ] should provide XXXX with the following information : The specific information being disputed as incomplete or inaccurate. The basis for the dispute Any supporting documentation to substantiate the basis of the dispute. Complete name ( first, last and middle ) and address to verify identification. o Copy of drivers license o Copy of SS card - Full nine digits of their social security number By Mail : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA 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