Consumer complaint received 2025-07-05 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Final Notice of Intent to Sue FCRA, FDCPA, IRS Code, XXXX & Metro 2 Violations Submitted via CFPB Portal To Whom It May Concern, This letter serves as a final Notice of Intent to Sue for TransUnions continued and willful violations of federal law, arising from its failure to correct, delete, or substantiate multiple disputed accounts associated with my name and Social Security number. These violations are a matter of record, formally submitted through the Consumer Financial Protection Bureau ( CFPB ), and are corroborated by documented evidence and correspondence with multiple furnishers. 

Despite the passage of the legal time frames set forth under 15 U.S.C. 1681i and 1681s-2 ( b ), TransUnion has failed to delete or correct inaccurate, unverifiable, or fictitious information, and has offered no legally sufficient response to the issues I raised through the CFPB. The credit reporting practices in question constitute deliberate and reckless disregard of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the IRS Code, and the XXXX Agreement to which TransUnion is bound. 


Complaint Evidence and Legal Violations CFPB Complaint # XXXX Furnisher : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Reporting a collection account without contract, billing, or ownership documentation. 
Applied a fraudulent affected by natural disaster modifier. 
No documentation provided to verify the debt. 
Violations : FCRA 1681i ( a ) ( 5 ) ( A ), 1681s-2 ( b ), 1681e ( b ) FDCPA 1692e ( 2 ) ( A ) XXXX and Metro 2 protocol violations CFPB Complaint # XXXX Furnisher : XXXX XXXX  ( XXXX XXXX ) Method of verification never disclosed. 
Dispute flag remains with no reinvestigation or resolution. 
Violations : FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681s-2 ( b ) XXXX and Metro 2 : Failure to update or suppress disputed tradeline CFPB Complaint # XXXX Furnisher : XXXX XXXX XXXX / XXXX Reporting a tradeline for which the furnisher admitted there is no account on record. 
TransUnion continues to report this debt. 
Payment structure includes mathematically impossible late sequences. 
Violations : FCRA 1681e ( b ), 1681s-2 ( b ) FDCPA 1692e ( 2 ) ( A ) Metro 2 and XXXX structure failures CFPB Complaint # XXXX Furnisher : XXXX  XXXX Charged-off balance exceeding {$600.00} reported with no 1099-C filed. 
No original agreement or chain of title provided. 
Account is known to be part of the XXXX XXXX XXXX XXXX securitization pool. 
Response was received over 60 days after dispute in violation of federal time limits.

Violations : FCRA 1681i ( a ) ( 1 ) ( A ), 1681s-2 ( b ) IRS Code 6050P Cited Case Law : Cushman v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Current Bureau Noncompliance Despite these disputes being fully documented and submitted through the CFPB, TransUnion has failed to take corrective action. No verified documentation has been provided by the furnishers, no deletions have occurred, and accounts remain with incorrect, misleading, or fabricated information in breach of both federal statute and the XXXX agreement. 



Notice of Corporate Exposure TransUnions confirmed and unresolved actions constitute no fewer than twenty-one ( 21 ) federal violations, including : 4 violations of FCRA 1681i 4 violations of 1681s-2 ( b ) 4 violations of 1681e ( b ) 2 violations of 1681i ( a ) ( 6 ) ( B ) ( iii ) 2 violations of FDCPA 1692e ( 2 ) ( A ) 1 violation of IRS Code 6050P 4 violations of XXXX/Metro 2 standards Total Statutory Exposure : 21 violations {$1000.00} = {$21000.00}, not including punitive damages, attorneys fees, or actual financial harm from credit denials and scoring damage.

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