Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XX/XX/year> SSN : XXXX [ Todays Date ] To Whom It May Concern, Via : CFPB Complaint Portal Subject : Response to TransUnions Investigation Results Insufficient Verification & Legal Demand for Full Method of Verification Thank you for your response to my formal complaint regarding inaccurate and disputed items appearing on my TransUnion credit report. 

While I acknowledge receipt of your investigation results, your response remains legally insufficient under the Fair Credit Reporting Act ( FCRA ). Simply stating that you verified with the furnisher does not satisfy your statutory obligation to ensure the maximum possible accuracy of my report ( FCRA 607 ( b ) ), nor does it constitute a complete investigation as required by FCRA 61XXXX ( a ). 

Key Items Still in Dispute Dept of Education / XXXX ( XXXX Accounts ) You claim these accounts are verified as reported, yet these tradelines contain historical delinquencies that occurred during periods of deferment or forbearance. Per federal student loan reporting guidelines, late payments can not legally be reported during authorized deferment. If these accounts reflect lates during such periods, they are inaccurate and must be corrected or deleted under FCRA 607 ( b ).

LVNV Funding LLC ( Collection ) You list this account as an active dispute. I am reiterating my request for full validation of this debt. Under FDCPA XXXX ( a ) and FCRA XXXX ( a ) ( XXXX ), I have the right to view : A copy of the original signed contract or agreement A complete accounting of the balance, fees, and charges Chain of custody documentation establishing LVNVs legal right to collect XXXX XXXX XXXX ( Auto Loan ) This tradeline was verified as reported, but no original documentation has been provided. If you can not produce proof of ownership, account history, and a signed contract, then the item remains unverifiable and should be deleted under FCRA XXXX ( a ) ( XXXX ). 

XXXX XXXX ( XXXX ) XXXX, this account was marked verified as reported without furnishing any supporting documentation. Updating a record based solely on the furnishers confirmation, without independent review of the original documentation, fails to meet the standard of a reasonable reinvestigation under FCRA XXXX ( a ). 

Acknowledged and XXXX XXXX XXXX XXXX Deleted Thank you for correcting this tradeline. 

Formal Request for Method of Verification Under FCRA 611 ( a ) ( 7 ), I formally demand the Method of Verification for all accounts you claim to have verified, including : The name, title, and contact information of the person you communicated with at each furnisher The exact method used for verification ( E-Oscar, phone, written correspondence, or original documentation ) Copies of all documents you relied on in verifying the disputed accounts Regarding Credit Score Adjustment After Deletions While the FCRA does not explicitly mandate a score increase, FCRA 607 ( b ) requires that credit reporting agencies maintain maximum possible accuracy. When inaccurate information is corrected or deleted, the bureau is legally obligated to update my file and provide an accurate recalculated credit report. 

If my credit score remains artificially suppressed due to previously removed or corrected inaccurate data, that constitutes an ongoing inaccuracy and may rise to negligent or willful noncompliance under FCRA 616 and 617, exposing TransUnion to liability for actual, statutory, and punitive damages.

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