Consumer complaint received 2025-10-06 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: MD

Complaint narrative:
Dear TransUnion Compliance & Dispute Department, This letter serves as a formal response and legal notice regarding the continued reporting of inaccurate and unverified information on my TransUnion credit report. This issue was submitted under CFPB complaint number # XXXX, filed in XX/XX/XXXX. Despite prior correspondence and disputes, you have failed to properly investigate and remove items that lack verification, permissible purpose, or legal substantiation as required under federal consumer protection law. 
1. Violations of Federal Law a. FCRA 1681b Permissible Purpose No entity may obtain or use a consumer credit report unless there exists a legally permissible purpose. You continue to report inquiries and accounts including those associated with XXXX and XXXX XXXX XXXX XXXX XXXX agency ) without evidence that I ever applied for or authorized such accounts or credit pulls. 

TransUnions continued publication of these entries, absent verifiable documentation or signed authorization, constitutes a clear FCRA violation and unlawful dissemination of my personal credit data. 
b. FCRA 1681i Failure to Conduct Reasonable Reinvestigation Under 1681i ( a ), upon receipt of a dispute, TransUnion must perform a reasonable reinvestigation to determine whether the disputed information is accurate. Relying solely on a furnishers verification response without obtaining documentary evidence ( e.g., signed contract, account application, or written authorization ) does not satisfy federal law. 

This practice has been widely condemned by regulators, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

c. FCRA 1681n & 1681o Willful and Negligent Noncompliance TransUnions continued reporting of unverifiable and disputed data demonstrates willful disregard for your statutory duties. As such, I reserve the right to seek damages under these sections for both willful and negligent violations. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines and the XXXX XXXX XXXX XXXX ( XXXX ) standards require that furnishers and CRAs only report verified, complete, and accurate information. Reporting unverified or disputed information violates these data integrity protocols and CFPB XXXX XXXX concerning accurate credit reporting and dispute handling. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Agency XXXX XXXX XXXX XXXX Balance : {$99.00} Date Assigned : XX/XX/XXXX Status : Collection Account Dispute Comment : Account information disputed by consumer Despite my disputes, TransUnion continues to report this item even though XXXX  has not verified that I owe this balance and Diversified Adjustment Service has not produced any documentation proving they have the legal right to collect or report it. 
This failure to validate violates : FCRA 1681i ( a ) ( 1 ) ( A ) ( failure to reasonably reinvestigate ) FCRA 1681s-2 ( b ) ( duty of furnishers to investigate disputed data ) 15 U.S.C. 1692g ( b ) ( FDCPA requirement for debt validation before collection ) Under consumer protection law, no unverified or unauthorized debt may be reported to credit bureaus. Continuing to publish this data knowingly is reckless and unlawful.

3. Supporting Regulatory Enforcement Actions Your ongoing noncompliance mirrors issues that have already drawn federal penalties : CFPB XXXX TransUnion ( XXXX ) : The CFPB fined TransUnion {$23.00} XXXX for failing to ensure data accuracy and misleading consumers about dispute handling. 

CFPB v. Equifax ( XXXX ) : XXXX  was ordered to pay {$15.00} XXXX for insufficient reinvestigation procedures under the FCRA. 

FTC Enforcement Precedent : The FTC has repeatedly cited major credit bureaus for reporting inaccurate, unverifiable information and conducting superficial reinvestigations that violate consumer rights. 


These precedents make it clear that regulators actively penalize credit bureaus that engage in precisely the conduct TransUnion has exhibited in my case. 


XXXX. My Demands To cure these violations and prevent further harm, I hereby demand that TransUnion : XXXX. Delete immediately the XXXX XXXX account and any related unverified entries. 


XXXX. Provide documentary evidence ( signed contract or written authorization ) verifying any remaining disputed accounts or inquiries. 


XXXX. Issue a corrected credit report reflecting the deletions and provide confirmation in writing. 


XXXX. Notify all third parties who accessed my report in the past XXXX months that the data was inaccurate and furnish corrected reports. 


XXXX. Cease any future reporting of this unverifiable account or any related data until full validation is produced. 


XXXX. Notice of Intent Failure to comply will result in the following actions : Filing of a formal civil claim for willful FCRA violations under 15 U.S.C. 1681n and 1681o, seeking statutory, punitive, and actual damages, attorneys fees, and costs.

Referral of this complaint and supporting documentation to the CFPB Enforcement Division, FTC Bureau of Consumer Protection, and the Maryland Attorney Generals Consumer Protection Division for formal investigation.

Submission of evidence to Congressional Consumer Protection Committees reviewing national credit bureau accountability. 



This letter serves as final notice and legal demand for compliance. 

Please respond within 15 days of receipt with a full reinvestigation report and confirmation of deletion. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

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