Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Via online submission at www.consumerfinance.gov/complaint Subject : Complaint Against TransUnion for Willful Noncompliance with the Fair Credit Reporting Act ( FCRA ) Dear CFPB Complaints Department, I am filing this formal complaint against TransUnion, LLC regarding their failure to remove inaccurate and unverifiable information from my credit report, despite repeated disputes and proof that the accounts in question are no longer owned by the original furnishers reporting the data.

Specifically, the following accounts remain listed on my TransUnion credit report, although they have been sold to XXXX XXXX XXXX, who has confirmed in writing that they do not report or verify tradelines to any credit bureau : XXXX. XXXX XXXX Account # XXXX, opened XX/XX/XXXX listed as " Closed. {$1800.00} written off. '' XXXX. XXXX XXXX Account # XXXX, opened XX/XX/XXXX listed as " Charged off. {$9800.00} written off. '' XXXX. XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX listed as " Closed. {$22000.00} written off. '' XXXX. XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX listed as " Closed. {$3200.00} written off. '' Legal Basis for My Complaint : Under 15 U.S. Code 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy. Since TransUnion can not verify data reported by an entity that no longer owns the debt, they are in clear violation of this provision by continuing to report inaccurate and unverifiable information. 

Under 15 U.S. Code 1681i ( a ), upon dispute, the CRA must conduct a reasonable reinvestigation. Since XXXX XXXX does not verify or furnish information, TransUnion had no lawful means of verification. Yet, they continue to certify these accounts as Verified and Updated. 

The FCRA prohibits reporting unverifiable or outdated information and requires deletion if the disputed item can not be confirmed. 

Despite my previous written disputes and submission of supporting documentation, TransUnion has failed to correct or remove these entries. As a result, my credit score remains negatively impacted, and my ability to obtain financing to grow my business has been compromised. 

Resolution Requested : - Immediate removal of the accounts listed above from my TransUnion credit report. 
- Disclosure of the method of verification used to confirm accuracy.

- A formal investigation by the CFPB into TransUnions pattern of willful noncompliance with FCRA. 

Attached are supporting documents including : - Written confirmation from XXXX XXXX that they do not furnish tradelines - Copies of my prior dispute letters to TransUnion - Copies of TransUnions responses and failure to correct the report Please take all necessary steps to enforce the provisions of the FCRA and ensure that TransUnion is held accountable. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX [ Your Email Address ] File Number with TransUnion : XXXX

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