Consumer complaint received 2025-08-23 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:
Dear TransUnion, I am writing to you under the protection of my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As a consumer, I have the right to expect that every item on my credit report be 100 % accurate, complete, and verifiable. Any account that does not meet this standard must be deleted immediately. 

Unfortunately, my recent review of my credit file shows multiple entries that are either inaccurate, misleading, incomplete, or unverifiable. These errors have caused undue harm to my credit standing, and I am requesting immediate investigation and deletion. 

Disputed Accounts and Issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reporting late payments. Under FCRA 607 ( b ), TransUnion must ensure maximum possible accuracy. Reporting incomplete or unverifiable payment history is a direct violation. Since proper proof has not been provided, this account must be corrected or deleted. 

XXXX XXXX XXXX XXXX  This account shows a {$0.00} balance but is still marked as a charge-off. This is contradictory, misleading, and violates FCRA 602 ( A ) which protects against inaccurate reporting that damages consumer reputation. This account must be removed. 

XXXX XXXX XXXX reported late payments can not be substantiated. Without full documentation, continuing to report them is a violation of FCRA 611 ( a ), which requires deletion if an item can not be verified. 

XXXX XXXX XXXX Inaccurate delinquency history remains on file. Since no proper validation has been provided, this account is non-compliant with FCRA 609 ( a ) ( 1 ). 

XXXX XXXX XXXX  Again, unverifiable late payments are being reported. This is misleading and in violation of FCRA 607 ( b ). 

XXXX XXXXXXXX XXXX XXXX XXXX The reported late payment status is questionable and has not been validated with full payment history. Continuing to report unverifiable data violates FCRA 611 ( a ) ( 5 ) ( A ). 

SPRINGOAKCAP XXXXXXXX XXXX This collection account can not be verified with original creditor documentation. Without proof, this violates FCRA 611 and must be deleted. 

CREDIT COLL XXXXXXXX XXXX Reporting a {$65.00} collection without proper validation is inaccurate. Under FCRA XXXX, I have the right to view all documentation. If you can not provide it, you must delete. 

XXXX XXXX This new collection is not validated. Reporting such unverifiable debt violates the FCRA and CFPB guidelines. 

XXXX XXXX XXXX This collection has been disputed multiple times. Failure to provide proof of accuracy is a violation of FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX MON XXXX ( XX/XX/year> ) This inquiry was unauthorized. Under FCRA 604, only permissible purpose inquiries may remain. Please remove. 

XXXX XXXX ( XX/XX/year> ) This was also unauthorized and violates FCRA 604 ( a ) ( 3 ). Please delete immediately. 

XXXX Notice TransUnion is legally required to investigate and respond to my dispute within XXXX XXXX under FCRA 611 ( a ) ( 1 ) ( A ). If you can not verify these accounts with proper documentation, you must delete them immediately. 

Failure to comply will leave me no choice but to pursue remedies with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General for willful noncompliance under FCRA 616 and 617.

I expect a full investigation and written confirmation of the results.

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