Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
I submitted a SECOND LETTER written dispute to TransUnion by certified mail regarding an account reported by XXXX XXXX XXXX that I believe to be inaccurate, unvalidated, and unverifiable. 

TransUnion acknowledged receipt of my dispute and responded on XX/XX/year>, by mail, but failed to provide the method of verification required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). They restated generic account details ( balance, date opened, creditor ) but did not disclose who verified the information, what documentation was used, or how it was verified. 

On XX/XX/XXXX, I received an email from TransUnion stating they were still waiting for a response from the creditor. However, during this same time, they updated my credit report with new delinquent information from the same account while the account was still under formal dispute. This is a direct violation of FCRA 611 ( a ) and 607 ( b ), which require a reasonable reinvestigation and accurate reporting. 

Their failure to delete unverifiable information and their decision to worsen the reporting during an open investigation shows potential willful noncompliance ( FCRA 616 ) or negligence ( FCRA 617 ). 

It has been over two months of neither response from XXXX and two generic unverified response from TRANSUNION with illegal updates that started since my recent dispute. 

I am requesting that TransUnion : Delete the unverifiable and disputed account from my credit report Cease furnishing inaccurate information while under dispute Provide full documentation of their investigation and method of verification for the third time using my right to dispute which in response I have received generic letters without any investigation I have attached : Copies of both dispute letters ( 2 ) USPS certified mail receipt and delivery confirmation ( 2 ) TransUnions mailed response ( 2 ) Their email update for 2nd letter dated XXXX XXXX XXXX 1 ) _________________________________________________________ Violations by TransUnion FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : TransUnion failed to provide the required method of verification in response to my dispute. Your letter only restated account details ( e.g., balance, date opened, original creditor ) without identifying the party who verified the information, how it was verified, or what documentation was reviewed. This does not meet the legal standard. 
FCRA 611 ( a ) ( 1 ) ( A ) : Transunion did not conduct a reasonable re-investigation of the disputed account. A proper investigation would have revealed that the data furnisher ( LVNV/Resurgent Capital ) failed to validate the debt in response to my written request.

FCRA 611 ( a ) ( 5 ) ( A ) : TransUnion continued to report information that can not be verified, in violation of your legal obligation to delete unverifiable data after a dispute.

FCRA 607 ( b ) : TransUnion failed to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported. The continued reporting of a disputed and unvalidated account shows a lack of compliance.

FCRA 616 ( 15 U.S. Code 1681n ) : Willful noncompliance with the FCRA may result in statutory and punitive damages. TransUnions continued failure to follow federally mandated procedures may rise to this level. 
FCRA 617 ( 15 U.S. Code 1681o ) : Negligent noncompliance with the FCRA entitles me to actual damages, costs, and attorneys fees. TransUnions lack of reasonable diligence in handling my dispute may meet this threshold.

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