Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX, I disputed a XXXX XXXX account on my TransUnion credit report. The account had been charged off in XXXX with a balance of approximately {$3500.00}, but was later reopened and updated to reflect a balance of over {$6600.00} without my authorization or consent. 

After receiving the dispute results, I formally requested the Method of Verification ( MOV ) within the legal 15-day window as outlined in FCRA 611 ( a ) ( 7 ).

TransUnion agents told me : The MOV was already sent before I ever requested it They could not tell me how, when, or what was sent I should contact the creditor instead of them providing verification One agent replied why should I tell you? when I pressed for clarification which is both unprofessional and obstructive. Another agent, identified as a supervisor, admitted TransUnion uses e-OSCAR, an automated dispute forwarding system.

No actual MOV has ever been provided. I received no email, no physical mail, no portal delivery, and no explanation of : The method used to verify the account Who reviewed it What documentation was reviewed How the information was deemed accurate Access to Live Chat Was Disabled : After I continued pressing TransUnion agents to comply with the law and provide a real MOV, I was suddenly locked out of live chat access. The option to chat with a representative completely disappeared from my account interface. I had previously been using live chat to document and escalate the issue. Disabling my access appears to be retaliatory and obstructive, denying me the ability to continue documenting conversations or hold the agency accountable. 

Legal Basis : Under FCRA 611 ( a ) ( 7 ), I am legally entitled to receive, upon request : A description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted TransUnion : Did not provide any of this Relied solely on e-OSCAR, which does not meet the legal standard for verification Repeatedly misrepresented their compliance Case law ( XXXX XXXX TransUnion ) confirms that automated verification through e-OSCAR is insufficient to meet the reasonable investigation standard required by the FCRA. 

Additional Context ( XXXX XXXX ) : The original furnisher, XXXX XXXX, also failed to validate the debt properly. They only offered a surplus deficiency letter, refused to provide a signed contract or full payment history, and falsely claimed the account was reopened because I called in. I never gave authorization or signed anything to reopen this account. 

This makes it even more essential that TransUnion provide a real MOV, as the creditor has not provided any legitimate supporting documentation. 

Resolution Requested : Provide a complete and legally valid Method of Verification under FCRA 611 ( a ) ( 7 ), including : The verification method used What evidence or documents were reviewed Whether the review was automated or manual The name and contact information of the furnisher The date and method of communication ( e.g., phone, mail, e-OSCAR ) If a valid MOV can not be provided, immediately delete the XXXX XXXX account from my TransUnion credit report due to failed verification. 

Ensure TransUnions future MOV practices meet FCRA standards and include verifiable delivery to the consumer upon request. 

Investigate why chat access was disabled and restore fair access to support services for all consumers.

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