Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion has been reporting multiple inaccurate late payments, collections, and charge-offs for over six months, and despite repeated disputes, TransUnion has failed to conduct a lawful reinvestigation as required under FCRA 611 ( a ) ( 1 ). Instead of verifying anything, TransUnion has repeatedly sent automated verified results and template letters that do not address the substance of my disputes. I disputed the following accounts : XXXX XXXX  ( XXXX Late Payment ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Collection ), XXXX XXXX XXXX / XXXX ( XXXX Collection ), XXXX XXXX XXXX / XXXX XXXX ( XXXX Collection ), XXXX / XXXX XXXX  ( XXXX Collection ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Collection ), XXXX / XXXX XXXX ( XXXX Collection ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Collection ), XXXX ( XXXX Charge-off ), XXXX XXXX ( XXXX Charge-off ), and XXXX XXXX ( XXXX Charge-off, duplicated twice ). Because TransUnion clearly does not understand what verification requires, I am listing it. For late payments, TransUnion must obtain : the original signed note, full billing statements, complete payment history, accurate delinquency dates, the exact Date of First Delinquency ( DOFD ), and all Metro-2 payment codes. TransUnion has never produced any of these documents for XXXX XXXX. For collections, TransUnion must obtain : the original signed agreement, itemized statements, complete account ledger, evidence of assignment, full chain of title, proof the collector legally owns or controls the debt, and all Metro-2 fields. None of the collectors listed above have produced any validation under FDCPA 1692g ( b ) or verification under FCRA 623 ( b ). TransUnion simply marks them verified through automated e-OSCAR coding without reviewing documents, which violates FCRA 602 ( A ) ( consumer file accuracy obligations ) and 607 ( b ) ( maximum possible accuracy ). For charge-offs ( XXXX  and XXXX XXXX ) , TransUnion must obtain : the original contract, all statements from opening through charge-off, charge-off calculation records, DOFD proof, full payment ledger, and Metro-2 compliance documentation. None of this information has been provided. Instead, TransUnion verified the XXXX account twice even though both entries have identical account numbers a clear violation of FCRA 607 ( b ) for duplicative, inaccurate reporting. It has been well over 180 days significantly longer than the 30-day reinvestigation period allowed under FCRA 611 ( a ) ( 1 ) ( plus 15 days ONLY if I submitted new documentation, which I did not ). TransUnions failure to verify any of these accounts within the required timeframe means TransUnion is legally required under FCRA 611 ( a ) ( 5 ) ( A ) to delete all unverifiable information. For all collection accounts, the furnishers are also in violation of FDCPA 1692g ( b ) for failing to provide validation. TransUnion has not verified a single item and continues to report inaccurate, unverified, and duplicated information in violation of federal law.

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