Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXX/XX/XXXX, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. XXXX ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute cXX/XX/XXXXes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. XXXX ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. XXXX ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. XXXX ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XX/XX/XXXX Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XX/XX/XXXX Account numberXX/XX/XXXX Balance {$240.00} Open Date XX/XX/XXXXXX/XX/XXXX Account number XXXX Balance {$170.00} Open Date XX/XX/XXXXXX/XX/XXXXAccount number XXXX Balance {$110.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$0.00} Open Date XX/XX/XXXX, XXXX Account number XXXX Balance {$1000.00} Open Date XX/XX/XXXX,XX/XX/XXXX Account number XXXX Balance {$0.00} Open Date XX/XX/XXXX, XXXX Account number XXXX Balance {$8000.00} Open Date XX/XX/XXXX,XX/XX/XXXXAccount number XXXX Balance {$1600.00} Open Date XX/XX/XXXX, XXXX XXXX Account number XXXX Balance {$250.00} Open Date XX/XX/XXXX. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and requireXX/XX/XXXX and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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