Consumer complaint received 2025-11-11 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:
This complaint is being filed against TransUnion for willful noncompliance, failure to investigate, and continued reporting of inaccurate and unverifiable information in violation of FCRA 602, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), as well as FDCPA 809 ( b ) and Metro 2 data reporting standards. 
I have repeatedly requested written validation and verification for two specific accounts that continue to be inaccurately reported by TransUnion : XXXX XXXX XXXX XXXX ( Account # XXXX ) reported as a collection/charge-off with a {$0.00} balance, yet still showing active derogatory payment history months after the account was closed and settled. This violates XXXX XXXX accuracy requirements and FCRA 623 ( a ), which prohibits furnishers from reporting misleading or outdated derogatory data once an account has been charged off and closed. 
XXXX XXXX XXXX ( Account # XXXX ) reported solely on TransUnion as a collection account opened XX/XX/year> with a balance of {$160.00}, yet no written proof of ownership, original contract, or validation of this alleged debt has ever been provided. This account has remained on file despite more than 60 days passing since my written requests for verification. This constitutes a direct violation of FDCPA 809 ( b ) and FCRA 611 ( a ), which require the furnisher and the CRA to cease reporting unverifiable data until proper validation is received. 
TransUnion has completely failed to fulfill its duty to conduct a proper reinvestigation. The only correspondence I have received has been a generic identity theft claim response and a statement that I am working with a credit repair company. I have never filed an identity theft report, nor have I authorized anyone to make that claim on my behalf. Even if I were receiving assistance with factual disputes, that does not absolve TransUnion of its legal obligation to provide accurate and verifiable reporting under the Fair Credit Reporting Act. 
The fact that TransUnion closed my disputes without producing one document of verification is a blatant violation of FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). You are required to conduct a reasonable investigation, obtain verification from the furnisher, and provide results within 30 days. It has now been over 60 days, and I have not received a single piece of supporting documentation, verification letter, or proof of investigation from TransUnion.

Furthermore, TransUnion has a history of data breaches and systemic mishandling of consumer information, and this continued pattern of negligence proves the lack of internal safeguards to protect and maintain the accuracy of consumer files as required by FCRA 607 ( b ). The inconsistent, incomplete, and false data being reported about my file shows that TransUnion is not operating within the maximum possible accuracy standard.

The reporting of these unverifiable and inconsistent accounts constitutes willful noncompliance, negligent reinvestigation, and failure to maintain procedural accuracy controls. It has caused measurable harm to my creditworthiness, access to credit, and peace of mind.

This is a factual dispute under FCRA and Metro 2, not an identity theft claim. TransUnions refusal to produce documentation and its continued publication of inaccurate data represent deliberate disregard for federal consumer protection laws.

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