Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by TransUnion Consumer Solutions. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses. 

Details of the Account in Dispute Account Number XX/XX/XXXXXXXX Creditor Name : XXXXXX/XX/XXXXXXXX Specification of Inconsistencies : ( {$1900.00} / Limit {$2000.00} ) Conflicting balances, dates, and derogatory charge-off status despite {$0.00} balance. 
Account Number : XX/XX/XXXX Creditor Name : XXXX XX/XX/XXXXXXXX Specification of Inconsistencies : ( {$8000.00} / Limit {$5000.00} ) False reporting of charge-off without verifiable proof or creditor validation. 
Account Number : XXXX Creditor Name : XXXX Specification of Inconsistencies : ( {$200.00} ) Conflicting Closed vs. Open status ; differing activity dates among bureaus ; dispute status incorrectly omitted. 

Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score.

2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by TransUnion Consumer Solutions, which further underscores the lack of accuracy and FCRA compliance.

References to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. 
XXXX v. XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA.

These cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.

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