Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
I. EXECUTIVE SUMMARY This formal complaint details ongoing and systemic violations of the Fair Credit Reporting Act ( FCRA ) and related state consumer protection laws by TransUnion LLC, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
After XXXX years of formal disputes and documented correspondence, the defendants have willfully ignored their statutory duties to verify, correct, or delete inaccurate information. Their failures under the XXXX XXXX of XXXX ( XXXX  ) and reasonable investigation requirements constitute clear violations of federal and state law. 
________________________________________ XXXX. SUMMARY TABLE OF VIOLATIONS Entity Violation Type Statute / Regulation Description of Misconduct TransUnion LLC Failure to delete unverifiable information 15 U.S.C. 1681i ( a ) ( 5 ) Continued reporting of unverified XXXX XXXX TransUnion LLC Failure to provide XXXX XXXX XXXX 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Ignored XX/XX/XXXX XXXX  request XXXX  XXXX XXXX XXXX XXXX. Inadequate reinvestigation 15 U.S.C. 1681i ( a ) Relied solely on furnisher confirmation XXXX  XXXX XXXX XXXX XXXX Failure to comply with XXXX reporting limits 15 U.S.C. 1681c ( a ) ( 4 ), ( 5 ) Reporting projected through XXXX XXXX XXXX XXXX XXXX XXXX XXXX failure to investigate 15 U.S.C. 1681s-2 ( b ) Ignored certified disputes and data accuracy duties All Defendants Deceptive and unfair practices XXXX  XXXX XXXX ( XXXX ) ( xxi ) ; NJ XXXX XXXX Misrepresentation and concealment of verification records All Defendants XXXX XXXX Reporting Violations XXXX XXXX XXXX Manual XXXX CFPB XXXX XXXX Missing XXXX, status codes, timestamps, and payment fields ________________________________________ III. FACTUAL BACKGROUND Timeline of Administrative Exhaustion XX/XX/XXXX : Initial discovery of inaccurate XXXX XXXX  reporting XX/XX/XXXX XX/XX/XXXX : Multiple certified disputes to TransUnion XXXX XXXX  XX/XX/XXXX & XXXX XXXX, XXXX : Formal reinvestigation requests citing XXXX XXXX violations XX/XX/XXXX : Certified demand sent directly to XXXX XXXX  no response received XX/XX/XXXX : Final XXXX  demands to TransUnion XXXX XXXX  XX/XX/XXXX : Expiration of XXXX XXXX  response period no replies Key Violations Identified XXXX. XXXX XXXX XXXX lacks original creditor authority XXXX. XXXX XXXX Non-Compliance Missing XXXX  fields and inconsistent coding XXXX. XXXX XXXX Violations Reporting extended unlawfully to XXXX XXXX. XXXX  Failures Statutory XXXX deadlines ignored ________________________________________ XXXX. XXXX LAW VIOLATIONS A. Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) 1. 1681i ( a ) ( 5 ) Duty to delete unverified information 2. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to disclose XXXX of XXXX XXXX. 1681c Reporting of obsolete information beyond statutory limits XXXX. 1681s-2 ( b ) Furnisher duty to conduct reasonable investigation XXXX. Supporting XXXX  Case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX  v. XXXX University, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ________________________________________ V. XXXX  LAW VIOLATIONS A. Pennsylvania XXXX XXXX XXXX ( XXXX ) ( xxi ) Deceptive conduct, per Monumental Properties ( XXXX XXXX ) XXXX XXXX Sun XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Broad consumer protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) Treble damages for willful violations B. New Jersey XXXX XXXX XXXX XXXX ( XXXX. XXXX et seq. ) Unconscionable practices XXXX v. XXXX Co. Realtors, XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX VI. SPECIFIC REGULATORY AND XXXX XXXX VIOLATIONS XXXX XXXX. XXXX CFPB supervisory oversight failures XXXX XXXX Violations : Missing XXXX, incorrect account status, and timestamp inconsistencies Result : Systematic suppression of consumer XXXX  rights and data inaccuracy ________________________________________ XXXX. STATEMENT OF HARM The defendants collective misconduct has caused measurable and ongoing harm, including : XXXX. Denial of credit and increased loan interest rates due to false delinquency data XXXX. Emotional distress and reputational injury resulting from continued publication of XXXX XXXX XXXX XXXX. Loss of financial opportunity from adverse action decisions based on erroneous XXXX reporting XXXX. Administrative burden and cost in repeated certified mailings and dispute preparation over a XXXX-year span The impact is immediate, ongoing, and quantifiable, warranting regulatory enforcement and consumer redress. 
________________________________________ XXXX. REQUESTED REGULATORY ACTION A. Immediate Relief XXXX. Issue Cease and Desist Orders to halt continued violations XXXX. Mandate Deletion of the XXXX tradeline XXXX. Impose Civil Money Penalties for willful noncompliance B. Systemic Reform XXXX. Conduct CFPB and XXXX  XXXX compliance examinations XXXX. Require training and certification in FCRA XXXX  procedures XXXX. Establish oversight mechanisms for future reinvestigation tracking XXXX Consumer Redress XXXX. Actual and Statutory Damages under XXXX and XXXX XXXX. Attorney Fees and Costs recovery XXXX. Restoration of credit reputation and correction of reports ________________________________________ XXXX. XXXX XXXX FOR XXXX XXXX CFPB XXXX : 12 U.S.C. 5512, 5564, 5565 Rulemaking, investigation, and enforcement Pennsylvania Authority : XXXX P.S. XXXX XXXX  investigative XXXX XXXX XXXX. XXXX Consumer protection enforcement powers ________________________________________ X. PRELIMINARY EXHIBIT INDEX Exhibit No. Description Status XXXX Correspondence file ( XX/XX/XXXX Present ) Available upon request XXXX Certified mail receipts and XXXX  cards Available upon request XXXX Credit reports evidencing inaccuracies Available upon request XXXX XXXX  demand letters dated XX/XX/XXXX Available upon request XXXX Non-response documentation Available upon request Note : Since litigation is anticipated if TransUnion and XXXX  fail to comply, all exhibits and supporting documentation are preserved and will be provided upon formal agency request or discovery disclosure. 
________________________________________ XXXX. CONCLUSION After exhausting all administrative remedies, I respectfully request immediate regulatory review and enforcement action. These violations reflect a pattern of systemic noncompliance undermining both consumer rights and the integrity of the credit reporting ecosystem. 
Respectfully submitted, XXXX XXXX XXXX ( XXXX ) XXXX Enclosures : Exhibits available upon agency request

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