Consumer complaint received 2025-07-26 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:
I am submitting this complaint because TransUnion continues to report multiple inaccurate and unverifiable accounts on my credit report, despite the fact that XXXX  deleted these same accounts after receiving identical disputes and conducting a reinvestigation. 

This clear discrepancy proves that TransUnions dispute handling and reinvestigation procedures are either inadequate, careless, or willfully noncompliant with the Fair Credit Reporting Act ( FCRA ). TransUnion failed to conduct a reasonable investigation or provide legally required documentation when I disputed the following accounts : I formally requested the following : Full reinvestigation results Verification documentation used Method and source of verification Legal proof of accuracy or certification from the original furnishers TransUnion did not provide any of this information, instead sending a generic denial response and falsely marking the accounts as verified. XXXX  on the other hand, removed the same accounts entirely, confirming they were unverifiable. 

Accounts Still Being Reported by TransUnion ( but Deleted by XXXX XXXX : XXXX XXXX XXXX XXXX XXXX 

Account # : XXXX Status : Settled, falsely reports 19 months of delinquencies XXXX : Deleted TransUnion : Still reporting XXXX XXXX XXXX XXXX XXXX 

Account # : XXXX Status : Paid, closed ; falsely reports a XXXX0-day late payment for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : Still reporting XXXXXXXX  Account # : XXXX Status : Closed ; falsely reports a 30-day late payment in XX/XX/year>XXXX XXXX XXXX Deleted TransUnion : Still reporting XXXX Account # : ( insert if available ) Status : Paid, closed ; still shows late payments XXXX  : Deleted or corrected TransUnion : Still reporting TransUnions continued reporting of accounts that another major bureau has already deleted proves a failure to maintain reasonable accuracy and suggests a willful disregard of consumer rights. These actions violate the following provisions of the FCRA : 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) : Failure to conduct a reasonable reinvestigation 1681n : Willful noncompliance 1681o : Negligent noncompliance This behavior has caused significant harm, including credit denials, lost financial opportunities, and emotional distress. I am requesting that the CFPB enforce correction of these serious violations. 

TransUnions failure to match XXXX verified deletion of the same accounts raises serious questions about whether TransUnion has actual documentation or is merely relying on automated responsesan unacceptable practice under federal law. 

All supporting documentation, including a clean XXXX  report showing deletion of the accounts and prior dispute evidence, is attached.

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