Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to the inaccurate reporting of a XXXX XXXX account XXXX Account # XXXX * * * * ). 

Despite submitting multiple disputes and having two prior CFPB complaints against the furnisher CFPB Case # XXXX CFPB Case # XXXX TransUnion continues to report this tradeline with numerous legal and factual inaccuracies and no dispute flag, violating multiple sections of the FCRA. 
1. TransUnion Is Reporting Inaccurate and Contradictory Data The account includes the following conflicting and misleading status remarks : Paid in Full / Was a Charge-Off Purchased by Another Lender {$0.00} balance, despite no record of payment XXXX consecutive months of X Unknown payment history codes These inconsistencies violate : 15 U.S.C. 1681e ( b ) CRAs must ensure maximum possible accuracy Metro 2 guidelines, which prohibit repeated use of Unknown and require factual payment history 2. Failure to Flag the Account as Disputed The furnisher, XXXXXXXX XXXX responded to CFPB complaint # XXXX by stating that they notified all CRAs, including TransUnion, that the account is in dispute. However, TransUnion is not displaying the dispute flag, which is a direct violation of : FCRA 1681s-2 ( a ) ( 3 ) Furnishers must notify CRAs of disputes FCRA 1681i ( a ) ( 5 ) ( A ) If information is not corrected, the CRA must flag it as disputed FCRA 1681c ( f ) CRAs are obligated to include the dispute notation in the file TransUnions failure to display this flag misrepresents the status of the account to all third parties, including potential creditors. 

3. Evidence of a False Investigation XXXXXXXX XXXX alleges it investigated the dispute. However, during the time period of the claimed investigation, XXXX XXXX did not access my credit file via a soft or hard inquiry raising significant questions as to whether any investigation actually occurred. This undermines the validity of the reinvestigation process. 

As the CRA, TransUnion had an obligation to ensure the furnisher performed a legitimate and reasonable investigation, and to delete the tradeline if verification was inadequate. 

This constitutes a violation of : FCRA 1681i ( a ) ( 1 ) ( A ) CRAs duty to reinvestigate FCRA 1681i ( a ) ( 4 ) CRA must review all relevant information FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) CRA must provide Method of Verification when requested Summary of Legal Violations : 1681e ( b ) Reporting false and conflicting information 1681i ( a ) ( 1 ) ( A ), ( 4 ), ( 5 ), ( 6 ) Failure to properly reinvestigate 1681c ( f ) Failure to report dispute status Violation of Metro 2 format Repeated X Unknown and conflicting statuses

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