Consumer complaint received 2025-07-19 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:
I am filing this complaint against TransUnion for failing to comply with my rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding a reasonable reinvestigation and provision of Method of Verification ( MOV ) details for accounts listed on my credit report. 

On XX/XX/XXXX, I submitted a formal request for the Method of Verification ( MOV ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), for these accounts. I specifically requested 'the name and contact information of the furnisher, the method used, and copies of any documentation you relied upon '.

Furthermore, on July 7, 2025, I sent a letter invoking my rights under 15 U.S.C. 1681c-2, requesting the immediate deletion of these accounts due to evidence of identity misuse, and enclosed an FTC Identity Theft Report.

Your reinvestigation results dated July 17, 2025, while providing an outcome and noting the deletion of one account, failed to include the requested detailed Method of Verification for the remaining disputed items. This contradicts your own letter 's statement that a 'separate communication was sent... listing those items along with the data furnisher 's contact information ', which I did not receive. This constitutes a direct violation of your duty under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) to provide such information upon my request. Additionally, you have failed to properly act on my identity theft claim under 15 U.S.C. 1681c-2, which mandates deletion upon receipt of a valid identity theft report.

The fact that critical inaccuracies and contradictions continue to persist on my credit report for these items only underscores the inadequacy of your verification process without the required MOV details : XXXX XXXX XXXX Account # XXXX ) : Your report still lists XXXXStatus : Charged off as bad debt '. It also notes 'Comments : Purchased by another lender '. This implies a sale, which directly contradicts XXXX XXXX 's own official response ( dated XX/XX/XXXX, CFPB ID XXXX ), confirming they were a 'third-party debt collector ' and not the owner. Your investigation failed to address this fundamental contradiction regarding ownership. 

XXXX XXXX ( Account # XXXX ) : Your report states XXXXStatus : Charged off as bad debt ' but notes 'No payment history available to display '. Your investigation failed to provide the MOV for how this charge-off status was verified without a payment history. My Equifax report for this account explicitly states the 'Charge Off Amount ' is ' {$0.00} ' despite showing a balance and 'CHARGE_OFF ' status, a contradiction your investigation should have identified. 

XXXX XXXX ( Account # XXXX - Loan Account ) : Your report lists XXXXStatus : 90 days past due ' but also 'No payment history available to display '. Your investigation failed to provide the MOV for how this past due status was verified without a payment history. This account also contradicts my Experian report for XXXX, which lists an 'Account type : Charge Card ' as opposed to an 'Installment account '. 

XXXX XXXX XXXX ( Account # XXXX - Unsecured Loan ) : Your report lists XXXXStatus : Charged off as bad debt '. Your report also notes 'Comments : Dispute resolved ; customer disagrees ', indicating a prior insufficient investigation that you failed to address in your response. 

XXXX XXXX XXXX ( Account # XXXX - Secured Card ) : Your report lists 'Status : Paid or paying as agreed ' but also 'Open/closed : Closed '. Your report also notes 'Comments : Dispute resolved ; customer disagrees '. Your investigation failed to address this unresolved disagreement regarding the unauthorized closure of an unactivated card or reconcile why a more complete history is not consistently reported across all bureaus. 

Due to your direct non-compliance with my FCRA rights regarding the Method of Verification and your failure to properly address my identity theft claim, and the continued inaccurate and misleading reporting : I demand the immediate and complete deletion of the XXXX, XXXX XXXX, XXXX  XXXX ( Loan Account ), and XXXX XXXX XXXX ( Unsecured Loan ) accounts from my credit report. 

For the XXXX XXXX XXXX ( Account # XXXX - Secured Card ), I demand that you update this account to an OPEN status and report its complete, positive payment history backdated to XX/XX/XXXX, removing the 'Account closed at credit grantor 's request ' remark. 

If these specific FCRA violations are not remedied, I will escalate this matter further with the Consumer Financial Protection Bureau ( CFPB ) for your explicit non-compliance, and consult legal counsel for potential litigation under the FCRA ( 15 U.S.C. 1681n and 1681o ).

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