Consumer complaint received 2025-11-30 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: MO

Complaint narrative:
This letter constitutes a formal dispute of the accuracy, completeness, consistency, reliability, and verifiability of multiple tradelines contained in my credit files maintained by XXXX, XXXX, and TransUnion ( collectively, the XXXX XXXX XXXX XXXX or XXXX ). 

I demand full documentary validation, full method of verification, and immediate deletion of any unverifiable or inaccurate items, pursuant to : FCRA 611, 609, 607 ( b ), 623 15 U.S.C. 1681e ( b ), 1681g, 1681i Regulation V, 12 C.F.R. 1022.43 UCC 9-611 & 9-613 This letter replaces and supersedes all prior dispute communications.

I dispute the following accounts in their entirety, including ownership, accuracy, reporting dates, balances, completeness, legality, and documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts require full investigative documentation NOT automated E-OSCAR responses. 

NOTICE OF IMPROPER DUPLICATE RESPONSE & FAILURE TO CONDUCT A PROPER REINVESTIGATION FCRA 602, 611 ( a ), 611 ( a ) ( 3 ), 623 ( b ), 616, 617 This serves as notice that my prior dispute was NOT a duplicate, nor frivolous, nor irrelevant.

Your agency : Issued the same boilerplate response as before, Failed to review newly submitted information, Failed to address each new dispute point, Failed to provide documentation, Failed to perform the required reinvestigation, Failed to comply with FCRA 611 ( a ), and Unlawfully labeled my dispute as duplicate.

Under FCRA 611 ( a ) ( 3 ), you may only label a dispute duplicative AFTER : Reviewing ALL new information, Verifying that NO new information was provided, and Giving a written explanation of your determination.

You did none of the above.

Therefore, your duplicate dispute classification is invalid and unlawful under federal law.

FAILURE TO CONDUCT A REASONABLE REINVESTIGATION FCRA 611 ( a ) ( 1 ) & Regulation V You failed to conduct a legally required reasonable, independent, good-faith reinvestigation because : You relied solely on automated E-OSCAR codes, You did NOT request original documents from furnishers, You did NOT review consumer-submitted evidence, You did NOT contact furnishers for documentation, You did NOT provide a method of verification, You did NOT send any documentation supporting your conclusion.

Automated processing does NOT satisfy your legal obligations under : FCRA 611 ( a ) ( 1 ) FCRA 623 ( b ) Regulation V, 12 C.F.R. 1022.43 V. FCRA VIOLATIONS ( COMBINED ) You are in violation of the following : Failure to Forward Dispute Information 15 U.S.C. 1681i ( a ) ( 2 ) Failure to Delete Unverifiable Information 1681i ( a ) ( 5 ) ( A ) Failure to Provide Reinvestigation Results 1681i ( a ) ( 6 ) Failure to Provide Method of Verification 1681g ( a ) ( 2 ) Failure to Maintain Maximum Possible Accuracy 1681e ( b ) These violations were amplified following my XX/XX/XXXX dispute. 

UPDATED XXXX REGULATORY ACTIONS AGAINST XXXX CFPB XXXX XXXX  ( XX/XX/XXXX ) Sued for sham investigations and inaccurate reporting. 

CFPB v. XXXX  ( XX/XX/XXXX ) Ordered to pay {$15.00} XXXX for failing to investigate disputes. 

CFPB Supervisory Highlights ( XXXX ) Found industry-wide CRA failures including : Not forwarding disputes Ignoring documentation Improper verifications Reinserting deleted errors CFPB v. TransUnion ( XXXX Federal Court Decision ) Court reaffirmed strict verification requirements. 

These findings confirm systemic violations relevant to my dispute. 

VII. UCC 9-611 & 9-613 VIOLATIONS For any charged-off, transferred, sold, or securitized account : UCC 9-611 requires pre-disposition notice.

UCC 9-613 requires authenticated written notification.

I NEVER received these required notices.

Any account lacking them is legally deficient and can not be reported.

DATA BREACH RELIABILITY CHALLENGE Because XXXX, banks, credit card companies, furnishers, and third-party processors have ALL suffered serious data breaches, no disputed tradeline can be reliably verified. 

A. XXXX BREACHES TransUnion ( XX/XX/XXXX ) XXXX XXXX consumers compromised XXXX  ( XXXX ) XXXX XXXX compromised XXXX  multiple breaches ( XXXX, XXXX, XXXX ) These breaches invalidate SSN/dob/address matching. 

B. BANK & CREDIT CARD BREACHES Breaches at : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc. 

These companies can not certify their data is accurate or belongs to the correct person. 

C. THIRD-PARTY DATA FURNISHER BREACHES Breaches at : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

They store data FOR banks and CRAs meaning the entire pipeline is compromised. 

D. LEGAL IMPACT Under FCRA 1681e ( b ), accuracy requires reasonable procedures.

Breaches mean : SSNs compromised DOBs compromised Addresses altered Databases corrupted Identities mixed Therefore, only original, authenticated documents are acceptable.

REQUIRED E-OSCAR CODES FOR ALL DISPUTED ACCOUNTS Use ONLY the following codes : XXXX XXXX Not his/hers XXXX  XXXX Belongs to another person XXXX  XXXX Not aware of this account XXXX  XXXX Fraudulent account XXXX  XXXX Consumer disputes account information XXXX XXXX Information inaccurate XXXX  XXXX Documentation required These are the ONLY accurate codes reflecting my dispute. 

FURNISHERS WITH HISTORY OF INACCURATE REPORTING The following furnishers tied to my accounts have documented histories of inaccurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All three XXXX  themselves Therefore, heightened verification is required. 

DEMAND FOR FULL DOCUMENTARY VALIDATION ( WITHIN 15 DAYS ) Provide : 1. Full Method of Verification ( FCRA 611 ( a ) ( 6 ) ) Who you contacted When How Copies of documents reviewed Evidence used to verify each disputed item 2. Original Documents Required Signed applications Signed contracts Billing statements Payment history Charge-off records IRS Form 1099-C Chain-of-title and assignment Collection notes Securitization documents ( PSA, Trust records ) ALL UCC 9-611 & 9-613 notices If these can not be produced The account MUST be deleted.

REQUIRED ACTION You must : Conduct a lawful reinvestigation Remove duplicate dispute designation Apply correct E-OSCAR codes Delete unverifiable accounts Provide ALL documentary evidence Issue updated credit files Failure to comply will result in : CFPB complaint FTC complaint Missouri Attorney General complaint Possible private civil litigation under FCRA 616617 CONCLUSION Because XXXX, banks, credit card companies, furnishers, and third-party processors have all suffered major data breaches allowing alteration, theft, and corruption of consumer data no disputed tradeline can be reliably verified using automated matching or E-OSCAR. 

Therefore : All disputed accounts are unreliable, unverifiable, and must be permanently deleted unless full original documentation is produced.

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