Consumer complaint received 2025-06-24 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: NV

Complaint narrative:
Subject : Formal Complaint Against TransUnion for Failure to Conduct Proper Reinvestigation and Verify Disputed Information in Violation of FCRA 1681i and Nevada NRS 598C.160 Dear CFPB Representative, This complaint concerns Transunion Information Services LLCs willful and negligent noncompliance with the Fair Credit Reporting Act ( 15 U.S.C . 1681i et seq. ) and Nevada Revised Statutes 598C.160. Despite my formal dispute letter sent via Certified Mail on XX/XX/XXXX, Transunion failed to perform a good-faith reinvestigation and continues to report multiple derogatory accounts that are inaccurate, unverifiable, and damaging to my creditworthiness. 

Under 15 U.S.C. 1681i ( a ), Transunion is required to conduct a reasonable reinvestigation of disputed information. In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court emphasized that a consumer reporting agency can not merely parrot the information received from furnishers. Yet Transunion issued a perfunctory response stating only that these accounts " belong to me, '' without verifying the underlying obligation or providing any account-level documentation, in violation of 1681i ( a ) ( 4 ) - ( 6 ). Similarly, Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), confirmed that a superficial verification process fails to meet the standard of reasonableness. 

Further, Transunion is legally obligated to delete any information that can not be verified under both 1681i ( a ) ( 5 ) ( A ) and NRS 598C.160 ( 2 ). Several of the items in dispute were merely " updated '' but not verified with substantiating evidence. This selective modification rather than full investigation is noncompliant with FCRA standards.

Legal Violations 1. Failure to Disclose Verification Procedures : Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), TransUnion must provide a detailed description of the methods used to verify disputed information. In my case, despite repeated requests, no such disclosure was provided.

2. Lack of Independent Investigation : As supported by Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), a credit reporting agency must conduct an independent and reasonable inquiry rather than merely accepting the furnishers certification. TransUnions generic updated and verified statuses indicate reliance solely on furnisher data without an independent review.

3. Continued Reporting of Unverified or Inaccurate Information : FCRA 1681i ( a ) ( 5 ) ( A ) mandates that if an item can not be verified within the prescribed 30-day period, it must be corrected or removed. Several items in dispute remain unchanged or only superficially updated, which falls short of the statutory requirement.

4. Violation of Nevada Law : As a resident of Nevada, I am entitled to receive complete investigatory findings under NRS 598C.160. TransUnions failure to produce the documentation or description of its verification process constitutes noncompliance with state consumer protection obligations.

Requested Relief : 1. Instruct TransUnion to delete all of the above accounts due to lack of proper verification and documented investigation., pursuant to 1681i ( a ) ( 5 ) ( A ) and NRS 598C.160 ( 2 ).

2. Require TransUnion to disclose the specific reinvestigation methods and communications with furnishers, as required under FCRA 1681i ( a ) ( 7 ).

3. Review TransUnions compliance policies under both federal and Nevada state law for potential systemic violations.

Attachments : Original dispute letter Certified mail receipt USPS return receipt Identification and proof of residency I respectfully request the CFPB to intervene and enforce the consumer protections afforded under federal and Nevada law. TransUnions failure to comply not only harms my financial standing but undermines the integrity of the credit reporting system

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