Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
I have submitted multiple disputes to the credit reporting agencies by certified mail and email, identifying inaccurate and unverifiable information on my consumer credit report. Despite clear communication and multiple dispute attempts, these agencies continue to report this informationautomatically verifying it through artificial intelligence without any human review, and most critically, without furnishing an original signed contract. No such original agreement exists, nor has one been presented. 

This conduct constitutes willful noncompliance with several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, including but not limited to : 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation within 30 days of receiving notice of dispute. 

1681i ( a ) ( 5 ) ( A ) : Failure to delete or modify information that is found to be inaccurate or unverifiable.

1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information.

1681n : Willful noncompliance, subjecting the agencies to actual, statutory, and punitive damages.

Additionally, under 15 U.S.C. 1681s-2 ( b ) XXXX XXXX, furnishers of information are required to investigate disputed data and delete or correct information that can not be verified. The continued reporting of unverifiable itemsabsent any original instrument of indebtednessis a direct violation of these obligations. 

Further, this behavior may constitute a breach under Uniform Commercial Code ( UCC ) 3-305, which protects consumers against the enforcement of obligations not evidenced by an original, valid, and signed agreement. The alleged debts, having been securitized, sold, or transferred to third parties, can not be validated without the original agreement and chain of assignment.

As a supporting precedent, the U.S. Supreme Court in XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ), affirmed that a concrete and particularized injurysuch as the reporting of false informationconstitutes standing under Article III of the Constitution. This ruling reinforces the necessity for data furnishers and reporting agencies to ensure factual accuracy and legal compliance, particularly when those inaccuracies result in tangible harm such as credit denials, reputational damage, or emotional distress. 

In addition to statutory violations, the agencies ' continued refusal to correct inaccurate reporting after multiple disputes and the absence of any original documentation raises serious concerns of negligence, bad faith, and potentially identity theft or unauthorized data traffickingall of which fall under scrutiny by both the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ). 

I hereby request the immediate deletion of all inaccurate and unverifiable accounts, and a full investigation into this matter. Further, I reserve the right to pursue legal remedies, including but not limited to actual and punitive damages for emotional distress, willful noncompliance, and violations of consumer protection laws.

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