Consumer complaint received 2025-10-30 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:
I am writing to formally complain regarding TransUnion reporting an unverifiable public record on my credit report. The account is XXXX XXXX XXXX  ( Reference # : XXXX ). This complaint is being filed after their continued willful reporting of inaccurate and unverifiable accounts on my credit report. I have complained several times in the last several years and sent letters via certified mail. I have requested method of verification. After receiving a response from TransUnion I reached out to the entity that they stated verified the information. They provided deceitful information. I have attached the response received from the Courthouse and have attached it to this complaint. PACER also confirmed that they did not provide inaccurate information TransUnion. I have reached out to XXXX XXXX and other third party data providers that sell information and have successfully had this account removed from their system. XXXX has removed this account from my credit report as they also realized that the information was inaccurate and unverifiable.

I have attached a copy of my driver 's license, social security card, and electric electric bill for identity verification purposes.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system.

Under Section 623 of the Fair Credit Reporting Act, this conduct constitutes defamation and willful injury to my personal and financial character. The case of Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), established that credit reporting agencies can not merely relay disputes to data furnishers but must conduct meaningful reinvestigations. TransUnion 's exclusive reliance on the automated E-OSCAR system fails to meet the legal standard required under 15 U.S.C. 1681i. The Henson case further reinforced that credit reporting agencies must follow " reasonable procedures to assure maximum possible accuracy " per 15 U.S.C. 1681e ( b ), beyond merely accepting a furnisher 's verification. Additionally, an FTC opinion letter by
LeFevre states that credit reporting agencies and furnishers can not continue reporting accounts that haven't been properly verified. Nelson v. Chase Manhattan, 282 F.3d 1057 ( 9th Cir. 2002 ) confirmed that once notified of inaccuracies, credit reporting agencies must conduct proper reinvestigations and correct errors or face liability for continued reporting of inaccurate information. TransUnion has failed to produce documentation, verify information through lawful means, or validate debts as required under Section 809 ( b ) of the Fair Debt Collection Practices Act. This conduct directly contravenes the established legal precedents regarding a consumer reporting agency 's reinvestigation obligations.

To comply with the Federal Law I am requesting that TransUnion delete this account immediately. Please provide me a copy of my updated credit report reflecting the changes.

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