Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion continues to report an inaccurate and unverified collection account from XXXX XXXX XXXX with an alleged open date of XX/XX/year>, in the amount of {$550.00}, under account number XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this debt, I never received a bill, notice, or demand letter from this company, and I have not received any legally valid documentation tying me to this collection account. My previous attempts to dispute this account through TransUnion were met with inadequate responses and no meaningful verification. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), credit reporting agencies like TransUnion are legally obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. TransUnions inclusion of this collection accountwithout verifiable proof of its validity, origin, or ownershipindicates a complete failure to comply with that requirement. When I submitted a formal dispute, TransUnion responded with a boilerplate outcome, claiming the item was verified without providing any documentation from XXXX XXXX XXXX, which is not compliant with 15 U.S.C. 1681i ( a ) ( 2 ) ( A ). I am entitled to a meaningful reinvestigation, not a rubber-stamp process that allows unverified derogatory information to persist on my record. 

The FCRA does not allow credit reporting agencies to act as passive recipients of information. TransUnion has a legal duty to investigate disputed accounts and ensure that any data they continue to report is accurate, complete, and fully substantiated. Continuing to report this account, especially when the creditor has not furnished any evidence showing the debt is mine, constitutes not just a breach of duty, but a willful violation of the FCRA, subject to civil liability under 15 U.S. Code 1681n and 1681o.

Beyond the legal aspect, this inaccuracy has caused me direct and measurable harm. Since this collection account was added to my report, Ive been denied access to affordable credit products, including a mortgage refinance offer that was withdrawn solely due to the presence of this collection. Ive seen my credit score drop significantly, which has affected my auto insurance premiums and loan qualification terms. The emotional toll has been just as significant. This has caused severe anxiety and stress in my personal life, as I feel trapped in a cycle of explaining a debt I do not recognize and have no way to remove despite doing everything in my power to resolve it through formal disputes. I feel unheard, misrepresented, and targeted by a broken system that is supposed to protect consumersnot punish them for errors they didnt create.

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