Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint against TransUnion for failure to maintain accurate, fair, and substantiated credit reporting information under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. My consumer report contains multiple inaccurate, incomplete, and misleading entries that have negatively affected my creditworthiness, caused financial hardship, and violated my rights under federal law. Despite attempts to dispute these errors directly with TransUnion, they have failed to correct or remove these accounts. Below are the details of each account with associated legal violations and personal impact. 
XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2000.00} Status : Late Payment This account is inaccurately reported with multiple late payments which I dispute as erroneous. I have not received any proper billing statements reflecting these alleged delinquencies, and no proof has been provided by the furnisher to substantiate these derogatory marks. Reporting such incomplete and unverifiable information is a direct violation of 15 U.S. Code 1681i, which requires consumer reporting agencies to conduct a reasonable investigation and remove information that can not be verified. Furthermore, under 15 U.S. Code 1681e ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy, which it clearly failed to do in this case. This late payment reporting is damaging my credit reputation and impacting my ability to obtain fair lending terms. I have been emotionally distressed and financially impacted due to increased interest rates and denials for credit based on this inaccurate history. 
XXXX Acct # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$17000.00} Status : Charge Off This account has been reported as charged off and is now inaccurately harming my credit profile. I have disputed this account previously due to multiple inconsistencies, including an incorrect balance and payment history that doesnt align with my own records. TransUnion has failed to conduct a reinvestigation as required by 15 U.S. Code 1681i ( a ) after I filed disputes. They did not provide any documentation from the furnisher proving the legitimacy of the charge-off or an accounting of the debt. Under 15 U.S. Code 1681s-2 ( b ), data furnishers have a legal obligation to investigate disputes forwarded by credit reporting agencies and to report results accurately, yet this did not occur. This inaccurate charge-off has directly led to loan denials, harmed my credit utilization ratio, and reduced my credit score significantly. I believe this reporting is both unfair and unjustified, especially considering the lack of verification. 
TransUnion 's continued reporting of these inaccurate entries without proper investigation or correction represents gross negligence and systemic non-compliance with the FCRA. The repeated refusal to correct or delete unverified and disputed information demonstrates willful disregard of consumer protections under federal law. I request the CFPB to investigate TransUnions failure to comply with its statutory duties under the FCRA, including 15 U.S. Code 1681e ( b ), 1681i, and 1681s-2 ( b ), and to take appropriate enforcement action to ensure my credit report is corrected or these accounts are permanently removed. These inaccurate accounts are impairing my financial freedom, causing emotional distress, and violating my rights as a consumer. I demand immediate deletion or correction of these accounts from my credit report, a full reinvestigation, and written verification of compliance with all FCRA regulations.

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