Consumer complaint received 2025-08-10 00:00:00
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.
State: SC

Complaint narrative:
I am filing this complaint because TransUnion has willfully failed to maintain accurate and verifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i ( a ), and 623 ( a ) ( 1 ) ( A ). Despite multiple disputes, TransUnion continues to report inaccurate, unverifiable, and harmful information. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Issue : This account, opened XX/XX/XXXX, is reported as a charge-off with a balance of {$0.00}. This reporting is misleading and incomplete. A {$0.00} balance should indicate that the account has been paid, settled, or otherwise closed in good standing. Continuing to label it as charged off misrepresents the status and damages my creditworthiness.

Law : Under FCRA 1681e ( b ), credit reporting agencies must assur
e maximum possible accuracy. Under FCRA 1681i ( a ), they are required to conduct a reasonable reinvestigation when a consumer disputes information. TransUnion has failed to correct this misleading reporting after disputes. 

XXXX. XXXX XXXX XXXX XXXX Account Issue : This account, opened XX/XX/XXXX, is being reported as an active collection with a balance of {$580.00}. The furnisher has not provided proper validation or documentation proving this debt is accurate, complete, or even legally owed by me. Reporting a debt without verification is both harmful and unlawful.

Law : FCRA 1681i ( a ) requires a reasonable reinvestigation of disputed accounts, and FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. TransUnions continued reporting of this unverified collection account violates these provisions. 

XXXX. XXXX XXXX Inquiries Issue : An inquiry dated XX/XX/XXXX, is listed without my knowledge or authorization. I never applied for credit with XXXX. This is an instance of an impermissible pull of my credit file.

Law : FCRA 1681b ( a ) limits access to a consumers credit report to situations with a permissible purpose. Reporting and allowing unauthorized inquiries to remain violates this section. 

Harm Caused : These inaccurate and unverified items have severely impacted my credit score, caused financial harm, and denied me fair access to credit opportunities. 

Requested Resolution : Delete the charged-off XXXX XXXX XXXX  account or update it to reflect accurate and complete payment history without derogatory language. 

Delete the XXXX XXXX XXXX collection account unless full validation with supporting documentation is provided. 

Remove the unauthorized XXXX inquiry immediately. 

TransUnions failure to take corrective action after my disputes constitutes willful noncompliance with the FCRA, and I am requesting immediate intervention by the CFPB to enforce my rights under the law.

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 explanation