Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
What information did you request? 
I requested that TransUnion conduct a lawful reinvestigation of the disputed account as required under XXXX XXXXXXXX XXXX XXXX XXXX XXXX  of the Fair Credit Reporting Act ( FCRA ). Their role was not to merely forward my dispute XXXX XXXX XXXX  but to independently verify the accuracy of the reported information by requiring legally sufficient documentation, such as the original promissory note, chain of title, and XXXXcompliant accounting. Instead, TransUnion improperly relied on unverifiable and unsupported claims from XXXX XXXX, thus misusing my consumer report by failing to fulfill its statutory duty. 
What Happened? 
TransUnion failed to lawfully investigate and verify a disputed account related to XXXX Bank ( Account XXXX. XXXX ). The XXXX XXXX XXXX XXXX XXXX submitted a certified dispute notice on XX/XX/year> ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), which was received on XX/XX/year>, XXXX XXXX, PA. The dispute included notarized affidavits, XXXX filingsXXXX XXXX Forms XXXX and XXXX, and legal notices demonstrating the Trusts superior claim and the invalidity of XXXX Banks reported information XXXX 
Despite receiving clear evidence that the claim was not validated, TransUnion responded on XX/XX/year> ( received XX/XX/year> ) stating that the account was verified as accurate but failed to : Provide an explanation of what was actually verified. 
Submit any supporting documentation proving lawful standing of XXXX XXXX 
Confirm compliance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by conducting a reasonable investigation. 
Ensure that information was obtained and used properly under XXXX XXXX. XXXX. 
Additionally, TransUnion improperly addressed the response to XXXX XXXX rather than the XXXX, violating the reporting requirements of an entity acting in a fiduciary capacity, and further demonstrating its failure to follow consumer protection laws. 
Violations Committed by TransUnion : Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to conduct a reasonable investigation. 
XXXX XXXX. XXXXXXXX XXXX XXXX XXXX : Failure to ensure maximum accuracy of reported information. 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Improper use of consumer report TransUnion obtained and used the Trusts consumer report without ensuring the data was legally accurate or verifiable. 
Federal Rule of Evidence XXXX : TransUnion can not lawfully report the account without firsthand knowledge or proper verification from the creditor. 
Breach of Fiduciary Duty & Good Faith Violations : TransUnion misrepresented the Trusts lawful dispute, failed to follow the consumers instructions, and improperly facilitated the reporting of an unverified and invalid claim. 
How This Affected Me TransUnions actions have harmed the financial and legal standing of the Trust.

The Trust has incurred unnecessary costs and administrative burdens due to XXXX failure to comply with the law. 
XXXX failure to properly verify the dispute supports false information, causing reputational damage and increased liability for the 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