Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : XXXX XXXX XXXX TransUnion for Inadequate Verification of XXXX XXXX, XXXX XXXX, and XXXX XXXX Accounts Complainant : XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX XXXX Details : Dear CFPB, I am filing a complaint against TransUnion for XXXX inadequate response to disputes regarding the XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX accounts on my credit report. Despite submitting detailed dispute letters and specifically requesting verification documents, TransUnion continues to report these accounts as verified without providing necessary documentation, such as debt validation, original contracts, purchase agreements, or a comprehensive investigation report. This failure to conduct a proper investigation is a violation of the Fair Credit Reporting Act ( FCRA ) and Texas consumer protection laws. 

Below is a detailed summary of each disputed account and the specific issues TransUnion has failed to address : XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX I formally disputed the Bounce AI account with TransUnion due to several discrepancies, yet TransUnion has provided no validation documentation to confirm its reporting accuracy. The discrepancies include : Inconsistent Dates and Impossible Timeline : The Date of First Delinquency is recorded as XX/XX/XXXX, although the account was reportedly opened in XX/XX/XXXX. This is an impossible timeline, yet TransUnion has not corrected it. 
Outdated Balance Reporting : The account has been reported with a static balance of {$5300.00} without any updates since XXXX, which is inconsistent with accurate reporting standards under FCRA Section 605 ( a ) ( 5 ). 
Missing Data and Gaps in Payment History : Several months lack payment history data, making it impossible to verify the accounts accuracy. 

In my dispute letter, I requested TransUnion to provide : Proof of debt from the original creditor to substantiate the Bounce AI account. 
The original contract or a purchase agreement proving the debts validity. 
A detailed investigation report explaining XXXX verification methods. 

Despite these clear requests, TransUnion has failed to provide any supporting documentation for this account. 

XXXX. XXXX XXXX Account XXXX XXXXXXXX TransUnion has continued to report the XXXX XXXX account as verified, even though my disputes have pointed out clear issues regarding its accuracy. This account was reported as charged-off with a balance due, which I dispute : Charge-Off Status and Balance Verification : The account shows a charged-off status with a balance of {$6900.00}. I specifically requested : Proof of debt validation and a copy of the original contract verifying my responsibility for this balance. 
A detailed investigation report describing the steps taken by TransUnion to verify this information. 

Since my initial dispute, TransUnion has failed to provide documentation proving the validity of the reported balance or charge-off status. 

XXXX. XXXX XXXX Account XXXX  XXXX I first disputed the XXXX XXXX account due to inaccuracies in its reported balance and charge-off status. Despite my detailed dispute, TransUnion has not provided the verification documents necessary to substantiate the accounts accuracy : Balance and Charge-Off Status Verification : The account is reported as charged-off with an outstanding balance. In my dispute letters, I requested : Verification of debt from XXXX XXXX. 
The original contract demonstrating my obligation to the debt. 
A purchase agreement and detailed investigation report showing how TransUnion confirmed the accounts legitimacy. 

To date, TransUnion has neither removed this item nor provided any supporting documentation from XXXX XXXX, despite my repeated requests.