Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by XXXX, which is currently reporting an account on my credit report that is incorrect and should never have been reported. Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> I have disputed this account and requested verification and documentation supporting the validity of the reporting. Despite these requests, XXXX has failed to provide detailed documentation, transactional tracing, or sufficient evidence demonstrating that the account belongs to me or that the reported information is accurate. They refuse to provide anything other than yes it is valid. Under the Fair Credit Reporting Act, furnishers of credit information have specific legal obligations. Pursuant to FCRA 623 ( a ) ( 1 ), a furnisher may not report information it knows or has reasonable cause to believe is inaccurate. Additionally, FCRA 623 ( b ) requires furnishers to conduct a reasonable investigation and provide verification when a consumer disputes information. To date, XXXX has not provided adequate documentation or tracing that substantiates the account, nor have they corrected or removed the inaccurate reporting. At the same time, XXXX continues to report this information despite my dispute. Under FCRA 607 ( b ), credit reporting agencies must maintain procedures to ensure the maximum possible accuracy of information contained in consumer credit files. Furthermore, under FCRA 611 ( a ), credit reporting agencies are required to conduct a reasonable investigation and remove information that can not be verified. Because XXXX has failed to provide adequate documentation and verification of this account, and because XXXX is continuing to report this inaccurate information, my credit report currently contains information that is both inaccurate and unverifiable. I am therefore requesting the following : Immediate removal of the inaccurate tradeline reported by XXXX from my credit file. Alternatively, if XXXX claims the account is valid, they must provide complete documentation and detailed account tracing, including the original agreement, transaction history, and proof that the account belongs to me. Confirmation that XXXX has removed the unverifiable information from my credit report in compliance with the Fair Credit Reporting Act. Please note that the continued reporting of inaccurate or unverifiable information after notice of dispute may constitute a violation of the Fair Credit Reporting Act, including but not limited to FCRA 623 ( a ) and 623 ( b ) governing the responsibilities of furnishers of information, as well as FCRA 607 ( b ) and 611 ( a ) governing the duties of consumer reporting agencies to maintain maximum possible accuracy and to remove information that can not be verified. If XXXX can not produce competent documentation substantiating the account and demonstrating that the information furnished is accurate and attributable to me, continued reporting may constitute negligent or willful non-compliance under the Fair Credit Reporting Act. In that case, the account must be immediately removed by both the furnisher and XXXX to ensure that my credit file reflects only accurate and verifiable information. If XXXX can not provide proper verification consistent with the requirements of the Fair Credit Reporting Act, the account must be permanently deleted from my credit report.

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