Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
>This is a supplemental complaint for the following active complaints : >>TransUnion : XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX and XXXX >This concerns the same XXXX XXXX XXXX  tradeline currently under CFPB review in multiple ( 10 ) open complaints . During the pendency of these investigations, TransUnion has now fabricated two disputes without my knowledge or consent. One of these fabricated disputes ( dated XX/XX/XXXX ) is still, as of today, XX/XX/XXXX, in progress, yet a second fabricated dispute ( dated XX/XX/XXXX ) was somehow created, investigated, and closed while the first one is still open. Consumers can not create a new dispute while another is open, meaning this activity could only have been initiated by the CRA or through an automated system malfunction. I have no knowledge of the content in those disputes. ( Attachment 1 and 2 - The screenshots of the XXXX and XX/XX/XXXX fabricated disputes ) >On the dates XX/XX/XXXX, XXXX XXXX, XXXX and XXXX, when I logged in to review my account, the active disputes section was stuck in an endless loading state, even after refreshing or waiting XXXX minutes. When I logged in on XX/XX/XXXX, I discovered TransUnion had opened a dispute dated XX/XX/XXXX on my behalf without my consent. ( Attachment XXXX, XXXX, XXXX XXXX, and XXXX - the XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX screenshots with metadata ) >On XX/XX/XXXX, I received an email stating my dispute investigation was complete. This was not the fabricated XX/XX/XXXX dispute it was a second fabricated dispute dated XX/XX/XXXX, which I also did not initiate. This XX/XX/XXXX dispute was investigated and verified even while the XX/XX/XXXX dispute is still open, which is procedurally impossible for a consumer-initiated dispute. ( Attachment XXXX and XXXX - The TransUnion email and the XX/XX/XXXX dispute results ) >In CFPB Complaint ID XXXX ( XX/XX/XXXX ) and Complaint ID XXXX ( XX/XX/XXXX ), I stated that " TransUnions automated dispute system now blocks me from filing further disputes, potentially considering my disputes as frivolous or repetitive, which prevents any reinvestigation even though new violations continue. '' My purpose was to understand why both the CRA and the furnisher were continuing to verify a tradeline that has already had two disputes submitted with a court order attached, and why there is no original creditor tradeline tied to this collection account at all. ( Attachment XXXX - The court order granting Summary Judgment on this matter ) >Additionally, this XXXX  tradeline has been missing required fields such as DOFD, last payment date, and aging data, which are mandatory under the FCRA for any collection account to be reportable. ( Attachment XXXX - The tradeline on my Official TransUnion credit report with DOFD, last payment date, or aging data ) >This pattern raises serious concerns about automated dispute manipulation, false attribution of disputes to the consumer, and possible credit fraud. 

>I have attached screenshots from my TransUnion consumer portal showing the fabricated disputes and conflicting statuses. I also believe this information may be altered after submission, as occurred in CFPB Case ID XXXX, where a dispute I submitted on XX/XX/XXXX ( with the court order attached ) was closed as delivery by postal mail, then immediately reopened and sent to the furnisher again, resulting in another verification on or around XX/XX/XXXX. This complaint is still currently Open on a 60 day extension. 

>This is now my fifth CFPB complaint involving TransUnion and this same tradeline. Each case has been extended for additional 60-day investigation periods, but there appears to be no meaningful progress, and the behavior is escalating. 

>Given the repeated fabricated disputes, missing Metro 2 fields, ongoing verification of a tradeline with a court order attached, and repeated alterations to dispute statuses after CFPB filings, I am documenting everything. This may reflect willful negligence or systemic misconduct that requires immediate attention. 

>Under my research, and based on just this complaint alone, TransUnion and XXXX may have violated the following : >Potential Violations Present in This Complaint >I. Fair Credit Reporting Act ( FCRA ) >>1. FCRA 1681i ( a ) ( 1 ) Unauthorized reinvestigation. 
TransUnion opened disputes I did not submit.

>>2. FCRA 1681i ( a ) ( 2 ) Improper dispute handling.

Running a second dispute while the first remained open ; updating derogatory data during an open dispute.

>>3. FCRA 1681e ( b ) Failure to assure maximum possible accuracy.

Reporting a collection tradeline missing DOFD, last payment, and aging fields; falsely attributing disputes to myself.

>>4. FCRA 1681c ( a ) ( 4 ) Failure to report required delinquency data.

Missing DOFD and aging data makes the tradeline legally unreportable.

>>5. FCRA 1681s-2 ( a ) Furnishing inaccurate information.

LVNV knowingly continued reporting an extinguished debt after a court judgment.

>>6. FCRA 1681s-2 ( b ) Failure to investigate after notice. 
XXXX verified the tradeline despite receiving the court order and multiple disputes. 


>>7. FCRA 1681i ( a ) ( 5 ) Reinsertion without required notice.

Tradeline was repeatedly altered and re-verified with no reinsertion notice provided.

>>8. FCRA 1681b Potential impermissible access.

Unauthorized disputes triggered file access not initiated by myself.

>II. Fair Debt Collection Practices Act ( FDCPA ) >>1. FDCPA 1692e ( 2 ) ( A ) False representation of legal status.

Reporting the debt as valid after judgment extinguished it.

>>2. FDCPA 1692e ( 8 ) Communication of false credit information. 
Verifying and furnishing false data to TransUnion.

>>3. FDCPA 1692e ( 10 ) Deceptive means to collect a debt.

Using credit reporting and re-verification to exert pressure.

>>4. FDCPA 1692d Harassment.

Continued reporting and dispute activity post-judgment.

>>5. FDCPA 1692f Unfair or unconscionable practices.

Furnishing incomplete/invalid Metro 2 data; causing fabricated disputes.

>III. CRA-Specific Procedural Failures ( TransUnion ) >>1. Creating consumer disputes without authorization.

>>2. Processing multiple simultaneous disputes on the same tradeline.

>>3. Updating derogatory data during an active dispute.

>>4. Blocking legitimate disputes without proper written notice.

>>5. Reporting a collection tradeline without required Metro 2 fields. 
>IV. Post-Judgment Misconduct >>1. Continuing to report an extinguished debt after a court judgment in my favor via Summary Judgment.

>>2. Continuing to verify and update the tradeline after receiving actual notice.

>>3. Updating negative information multiple times after judgment ( willful conduct ).

>>4. Using dispute cycles and verifications despite knowing the debt is legally void.

>V. Potential Fraud / System Abuse >>1. False attribution of disputes to myself.

>>2. Initiating ACDV cycles without my request or authorization.

>>3. Altering dispute statuses during CFPB review.

>>4. Maintaining unverifiable, incomplete, or contradictory account data.

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 explanation