Consumer complaint received 2025-05-13 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: KY

Complaint narrative:
I am filing this complaint against TransUnion for willfully and negligently reporting inaccurate and unverifiable information on my consumer credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 

The account in question is a mortgage serviced by XXXX XXXX XXXX ( Account No. XXXX XXXX XXXX XXXX ), and it is being reported with numerous legal violations, including but not limited to : 1. Violation of FCRA 1681e ( b ) : Inaccurate and Inconsistent Reporting The account reflects different balances across credit bureaus : TransUnion : {$240000.00} Experian : {$240000.00} Also, the past due amounts differ : TransUnion : {$14000.00} XXXX  : {$16000.00} Additionally, the date of last payment is inconsistent : TransUnion : XX/XX/year> XXXX  : XX/XX/year> This violates the requirement that credit information be accurate and complete across all CRAs. 

2. Violation of FCRA 1681i ( a ) : Failure to Properly Investigate a Dispute I filed a formal dispute regarding this account. TransUnion responded with a verification that failed to provide actual supporting documentation from the furnisher of information. No original signed documents, billing statements, or proof of delinquency were provided. 

According to FCRA 1681i ( a ), a CRA must conduct a reasonable reinvestigation and delete or correct information that can not be verified. 

3. Violation of FCRA 1681s-2 ( b ) : Furnisher Failed to Provide Proof, CRA Must Delete The furnisher of information ( XXXX XXXX XXXX ) did not provide documentation supporting the delinquency or the amounts listed. Under 1681s-2 ( b ), if the furnisher can not verify with documentation, the CRA ( TransUnion ) must delete the account. TransUnion failed to do so. 

4. Violation of FCRA 1681i ( a ) ( 6 ) ( A ) : No Results of Investigation Provided TransUnion failed to provide me with a written explanation of the results of their reinvestigation, including the method of verification and name/contact of the furnisher, as required by law. 

5. Violation of FCRA 1681e ( a ) : Failure to Maintain Reasonable Procedures Given that this account is not even reported with Equifax, and Experian has differing data, TransUnion has failed to maintain procedures to ensure maximum possible accuracy, which is a direct violation of 1681e ( a ). 

6. Damaging and Misleading Reporting of Dispute Resolved The account is marked as dispute resolved but no proper investigation or resolution took place. This is misleading and unfair to me as a consumer. 

Relief Sought : I am demanding the immediate and permanent deletion of the XXXX XXXX XXXX account from my TransUnion credit file. 

If this is not resolved promptly, I will seek further legal remedy including filing complaints with : The Federal Trade Commission ( FTC ) The Office of the State Attorney General Potential civil action under FCRA 1681n and 1681o for willful and negligent noncompliance. 

Please investigate this matter thoroughly and ensure that this inaccurate, inconsistent, and unverified account is removed immediately from my credit report. 

Sincerely, XXXX 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 explanation