Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
I am submitting this complaint regarding TransUnion LLCs handling of my dispute concerning a Together Loans account on which I am listed as a co-signor.

Summary of TransUnions Response TransUnion reports the following mutually inconsistent findings : INVESTIGATION RESULTS INFORMATION UPDATED TransUnion states that changes were made to the account based on my dispute.

INVESTIGATION RESULTS VERIFIED AS ACCURATE and UPDATED TransUnion simultaneously asserts that the disputed information was verified as accurate, while also acknowledging that it updated material account fields, including : Balance Date Updated Past Due Payment Status Maximum Delinquency Rating These positions are logically and legally incompatible.

Legal Defects in TransUnions Investigation 1. Internal Contradiction = Failure of Reasonable Reinvestigation Under FCRA 611 ( a ) ( 1 ), 15 U.S.C. 1681i ( a ) ( 1 ), a consumer reporting agency must conduct a reasonable reinvestigation to determine whether disputed information is accurate.

TransUnion can not reasonably conclude that information is verified as accurate while simultaneously modifying the very data elements that define accuracy, including delinquency, past due status, and balance.

Updating those fields is an implicit admission that the prior reporting was inaccurate or incomplete.

2. Failure to Delete or Correct Unverifiable Information Under FCRA 611 ( a ) ( 5 ) ( A ), if disputed information can not be verified, it must be deleted or corrected.

TransUnions response does not identify : What documentation was reviewed How delinquency was verified for a co-signor Whether the furnisher validated consolidation status or notice obligations Absent that, the continued reporting of delinquency and past due amounts is unsupported and unverifiable.

3. Inaccurate Reporting of Co-Signor Obligations I am reported as a co-signor, yet the account reflects : Last Payment Amount : {$0.00} Past Due : {$750.00} Balance : {$7300.00} TransUnion failed to establish whether : I was properly notified of non-payment The furnisher complied with co-signor disclosure and notice requirements The debt was subject to consolidation or third-party administration Reporting delinquency without resolving these issues violates FCRA 623 ( a ) ( 1 ) ( A ) ( accuracy and completeness ).

4. Reliance on Furnisher Assertions Without Independent Analysis TransUnion appears to have relied on furnisher responses while changing account metrics, indicating automated or conclusory processing rather than a bona fide reinvestigation.

Courts have repeatedly held that a CRA may not merely parrot furnisher data when a dispute raises substantive accuracy concerns.This response reflects a systemic procedural failure, not a good-faith investigation. Consumers can not be expected to accept verified as accurate conclusions when the reporting agency itself acknowledges that the account data was materially incorrect and required correction.

Contact XXXX XXXX XXXX  Regarding XXXX XXXX XXXX RE : his cosigner. 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