Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
To Whom It May Concern, I am writing regarding a public record account reported on my TransUnion credit file that I believe is inaccurate, unverifiable, and improperly investigated. After reviewing my credit reports from all three major credit bureaus, I have determined that TransUnion failed to conduct a proper reinvestigation of this disputed account.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure maximum possible accuracy of reported information and to conduct a reasonable reinvestigation when a consumer disputes an item. Based on the evidence available to me, your handling of my dispute falls short of these legal requirements. 

I also note the recent lawsuit brought by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which highlights systemic failures in the proper handling of consumer disputes. I urge TransUnion to align its practices with the standards required under federal law. 

Basis of Complaint Sham Investigation : TransUnion failed to convey the full details and supporting documentation of my dispute to the furnisher, and instead appears to have accepted a contradictory response without scrutiny. 
Insufficient Results Notice : Your response to my dispute was vague and failed to explain what records were reviewed, what evidence was relied upon, or how your conclusion was reached. 


Disputed Item ( XXXX ) Account Name : XXXX  XXXX  XXXX Dismissed Reference Numbers : XXXX and XXXX Dispute Issue : Unverifiable public record I specifically requested verification with court-certified documentation directly from the bankruptcy court, but you failed to provide such documentation. Without verifiable court records, this bankruptcy entry can not legally remain on my file. 



Privacy Concerns Rule XXXX Federal Rule of Bankruptcy Procedure XXXX prohibits disclosure of unredacted personal identifiers in court filings, including : Full Social Security numbers ( only last four digits may be used ) Full dates of birth Full account numbers Full drivers license numbers If TransUnion obtained, furnished, or reported this bankruptcy information using improperly disclosed identifiers, my privacy rights were violated, and the entry must be removed. 
Harm Caused This inaccurate and improperly sourced bankruptcy reporting has : Damaged my creditworthiness Limited my access to fair lending terms Caused financial and reputational harm Requested Resolution I respectfully demand that TransUnion : XXXXDelete the bankruptcy entry from my credit file unless you can furnish court-certified verification documents ; and/or XXXXRemove any record reported in violation of Rule XXXX privacy protections ; and XXXXProvide me with a written explanation detailing the reinvestigation steps taken, the entities contacted, the evidence relied upon, and copies of any records used to verify this item. 

If TransUnion can not demonstrate full compliance with both the FCRA and XXXX XXXX, the bankruptcy must be deleted from my credit file. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX

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