Consumer complaint received 2025-09-08 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: MO

Complaint narrative:
I am filing a formal complaint against all three nationwide consumer reporting agencies Experian, Equifax, and TransUnion for systemic violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These agencies have failed to conduct proper reinvestigations, forward consumer-provided evidence, verify disputed accounts, or provide adequate notice of dispute results, in direct violation of FCRA 611 ( 15 U.S.C. 1681i ). On XX/XX/XXXX, I submitted disputes with supporting documentation to all three agencies regarding the following accounts : XXXX- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX, XXXX  XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX  Acct # XXXX. 
Despite my compliance with all procedural requirements, Experian, Equifax, and TransUnion have ; Failed to forward my documentation to furnishers, in direct contravention of 1681i ( a ) ( 2 ) ; Failed to delete or correct unverifiable items within the required 30-day period ( 1681i ( a ) ( 5 ) ( A ) ) ; Failed to notify me of results or provide updated credit reports ( 1681i ( a ) ( 6 ) ). Additionally, none of the agencies provided a transparent explanation of how the accounts were verified or what documentation was relied upon, despite my request for this information. This is a violation of both FCRA 611 and 1681g, which require complete disclosure of all information in a consumers file and the sources of that information. These failures mirror recent CFPB enforcement actions : Equifax ( XX/XX/XXXX CFPB Consent Order ) : Found to have ignored consumer evidence, reinserted deleted items, provided misleading notices, and distributed inaccurate scores. Ordered to pay {$15.00} XXXX in penalties. Experian ( XX/XX/XXXX CFPB Lawsuit ) : Sued for sham investigations, refusal to furnish consumer evidence to furnishers, and inadequate consumer notifications. TransUnion ( XX/XX/XXXX CFPB/FTC Settlement ) : Found liable for inaccurate tenant screening reports and mishandled credit freezes; paid {$23.00} XXXX. TransUnion ( XX/XX/XXXX, XXXX XXXX TransUnion XXXX ) : CFPB argued that TransUnion violated FCRA by failing to disclose sources of identifying information, reinforcing the consumers right to full transparency. Further, all three agencies have suffered major data breaches ( Equifax XXXX, Experian XXXX, TransUnion XXXX ), which compromised Social Security numbers and other personal identifiers. This increases the risk that fraudulent or inaccurate accounts may be reported, making rigorous verification especially critical. I respectfully request that the CFPB ensure these agencies : Conduct lawful, good-faith reinvestigations of all disputed items. Provide documentary proof of ownership for each account ( e.g., signed contracts, applications, authenticated chain-of-title evidence ). Permanently delete any account that can not be verified. Provide written confirmation of results and updated credit reports within the 30-day statutory deadline. Disclose the method of verification used and the exact sources relied upon, as required by FCRA 1681g. The repeated violations of FCRA 611 by Experian, Equifax, and TransUnion combined with CFPBs own enforcement findings establish a pattern of systemic noncompliance. I respectfully request that the CFPB intervene, compel these agencies to comply with the law, and ensure the immediate correction or deletion of the disputed information.

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