Consumer complaint received 2025-07-24 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:
b'Re: Systemic FCRA, FDCPA & Florida Consumer Protection Violations by Equifax, Experian & TransUnion\nI. Introduction & Procedural History\nOver the past two years, Elite Legal Practices submitted formal disputes under Section 611 of the Fair Credit Reporting Act (FCRA) on behalf of XXXX XXXX XXXX XXXX regarding multiple derogatory tradelines. Despite strict adherence to dispute requirementsincluding written notice detailing each inaccuracy and furnishing all supporting documentationthe credit reporting agencies (CRAs) have:\n\tFailed to conduct a reasonable investigation\n\tContinued to report unverifiable, re-aged, and reopened accounts\n\tRefused to delete data demonstrably invalid\n\tRelied solely on furnisher representations without independent verification\nThis Complaint supplements our CFPB case file and simultaneously notifies the Florida Attorney Generals Office of the CRAs complicity in furnishing entities willful negligence.\nII. Detailed Account Analyses\nBelow is a side-by-side breakdown of each disputed tradeline across Equifax, Experian, and TransUnion. All discrepancies have been flagged in prior disputes yet none were corrected.\nIII. Legal Violations & Case Law\nA. FCRA Violations\n\t 611(a)(1)(A): Failure to conduct reasonable investigations on all disputed items\n\t 611(a)(5)(A): Failure to delete or correct unverifiable information promptly since XXXX\n\t 623(a)(1)(A): CRAs failure to reinvestigate when furnishers supply inaccurate data\n\t 607(b): Duty to follow procedures ensuring maximum possible accuracy\nCase Law References:\n\tXXXX XXXX. Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unverifiable tradelines must be deleted\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reinvestigation required when consumer presents proof\nB. FDCPA Violations\n\t15 U.S.C.  1692e: False or misleading debt representations, perpetuated by CRAs\n\t15 U.S.C.  1692f: Unfair practices in reporting settled or paid debts\nC. Florida Consumer Protection Violations\n\tFDUTPA  501.204: Prohibition on deceptive or unfair trade practices\n\tPattern of misrepresentation and refusal to correct credit files violates state law, subjecting CRAs to civil penalties and AG enforcement\nIV. Harms & Exposure\nI have  endured two years of:\n\tContinual credit-score suppression, leading to financial reputational harm & loan denials\n\tHigher interest rates on existing credit lines\n\tEmotional XXXX  and reputational harm\n\tSignificant legal fees and administrative burdens\nCRAs and furnishers face:\n\tStatutory FCRA damages of $XXXX per violation, plus attorneys fees\n\tFlorida AG civil penalties up to XXXX  per FDUTPA violation\n\tPotential multi-state AG investigations and class-action exposure by similarly situated consumers\n\nThis matter has been referred to the Florida Attorney Generals Office and Federal Trade Commission. I reserve all rights to pursue civil remedies on behalf of XXXX XXXX and a potential class of affected consumers.\n\nAttached to this request were "DELETION" post verification requests that were sent to all 3 CRAs: Equifax, Experian and TransUnion who failed to follow FCRA guidelines and delete these accounts. XXXX  XXXX  assumed unverified accounts and they too failed to validate. A zip file has been forwarded to the FL AG of all accounts with deletions.\n\nCc: Consumer Financial Protection Bureau  Office of the Florida Attorney General, Federal Trade Commission, FCRA Legal Counsel'

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