Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
Failure to Conduct a Proper Reinvestigation Violation : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) Under the FCRA, Transunion must conduct a reasonable reinvestigation when a consumer disputes an item on their credit report. Their response states that they merely forwarded your dispute to the furnisher ( e.g., the original creditor ), but it does not confirm : What specific steps they took to verify the information. Which they failed to do so in my disputes. They must be specific and not give a general template of non-answer which they consistenly break the law by doing. 
If they received and reviewed actual documentation supporting the accuracy of the disputed items, which they haven't provided any real proof that they have in my disputes. 
If they independently investigated the furnishers response ( which they are required to do ). They are sham investigations. 

The FCRA requires Transunion to do more than blindly accept what the furnisher says. If they can not verify the exact source of the information and provide documentation, the disputed items must be removed. Transunion fails to meet all the requirements by law and continues their illegal activities Failure to Provide Verification of Investigation Results Violation : FCRA 15 U.S.C. 1681i ( a ) ( 6 ) Transunion response does not include the required details of their investigation. They were supposed to provide : What specific documentation was used to verify the dispute. 
Who at the creditor or furnisher confirmed the information. 
What methodology was used to determine the accuracy of the disputed items. 

The FCRA mandates that consumers must receive an adequate explanation of how their disputes were verified. Simply stating, " We contacted the furnisher, and they verified it, '' is not sufficient under the law.

Continued Reporting of Unverified or Inaccurate Information Violation : FCRA 15 U.S.C. 1681s-2 ( a ) Transunion was notified that late payments, charge-offs, and collections were inaccurate. Instead of properly validating these accounts, they continued to report them as accurate without proof. 
If a furnisher can not provide documented proof of verification, the disputed items must be deleted. 

Failing to remove unverified negative items after a dispute is a direct violation of the FCRA and constitutes negligent or willful noncompliance Transunion must be held accountable for all the illegal acts and sham investigations they have done. 

Remove all the inaccurate items on my report. They have all the detailed, specific issues and accounts that need to be removed or updated due to their inaccuracies. Transunion has received multiple disputes from me and has the specific information. Any response from them that they do not is a direct lie and contradiction to the account they make you sign up for to login to their online portal. You have it generated online and available to review, but you state in a response that they can not locate my data or my information. 

Beyond making them follow the law and face any financial and civil penalties they should acrue because of their negligence, I want verifiable proof that all of my items were correctly removed and updated from Transunion within 15 days of their response. They are required to comply with the law and can not continue their illegal acts of harm against 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