Consumer complaint received 2025-07-29 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:
Complaint Summary XXXX XXXX ( Account ending in XXXX ) Bureaus Involved : TransUnion, Experian ( XXXX  missing data ) XXXX XXXX  I am submitting this formal complaint regarding the reporting of a XXXX XXXX account ( account number ending in XXXX ) currently appearing on both my TransUnion and Experian credit reports. The account is being reported with material discrepancies and in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as guidance from the Consumer Financial Protection Bureau ( CFPB ). 

Violations and Issues : XXXX. Reporting Inconsistencies Across Bureaus Date Opened : TransUnion lists XX/XX/XXXX, while Experian reports XX/XX/XXXX. 

Date of Last Activity : TransUnion shows XX/XX/XXXX, while Experian shows XX/XX/XXXX. 

Closed Date : TransUnion reports the account closed on XX/XX/XXXX, but Experian provides no closed date, yet still marks the account as closed. 

Creditor Remarks : TransUnion says the information meets FCRA requirements, while Experian clearly shows the consumer disputed the account and it was assigned to an attorney/collections. XXXX  has no data at all, which creates further confusion and an incomplete consumer file. 


These are material discrepancies, and under 15 U.S.C. 1681e ( b ), the credit bureaus are required to maintain maximum possible accuracy. These inconsistencies alone show clear FCRA violations. 


XXXX. Account Status Conflict / Misleading Reporting Both Experian and TransUnion label the account as closed while simultaneously reporting a derogatory charge-off status with a balance of {$3700.00} owed. 

Under FCRA 1681i and CFPB compliance bulletins, a closed account should not continue to show as active debt without clarification of whether the balance is settled, disputed, or sold. This reporting is misleading and materially affects my creditworthiness. 



XXXX. Failure to Update and Verify the Account Appropriately The Last Verified date for TransUnion is XX/XX/XXXX. Experian provides no verification date, meaning it can not certify that the information reported was re-investigated or confirmed recently. 

This violates FCRA 1681i ( a ), which requires reinvestigation of disputed information to ensure continued accuracy. Continued reporting of disputed information without verifiable proof is prohibited. 



XXXX. Disputed Information Reporting Violations Experian and TransUnion both contain remarks that the consumer disputed the account. However, the data is still being furnished and scored as derogatory with no resolution or updated status. 

Per FCRA 1681s-2 ( a ) ( XXXX ), if an account is disputed and no validation is provided, the data furnisher is prohibited from continuing to report it as verified. 



XXXX. Failure to Provide Consistent, Accurate, and Complete Data to All Bureaus XXXX  is entirely missing this account while TransUnion and Experian report it. Either the account was deleted by Equifax for cause ( suggesting unverifiability ), or XXXX agency failed to furnish data to all CRAs uniformly in violation of FCRA 623 ( a ) ( XXXX ) ( A ). 





-- - Consumer Demands and Verification Requests : In accordance with FCRA 15 U.S. Code 1681g, 1681i ( a ), and the XXXX procedural guidelines, I request that the credit bureaus and data furnishers provide the following documentation as part of their reinvestigation : A complete copy of the original XXXX XXXX contract/agreement, signed and dated by me. 

Full accounting history, showing all charges, payments, late fees, and interest applied. 

Proof of assignment to collections, if applicable, including legal transfer or charge-off documentation. 

Evidence of notice sent to me regarding the negative reporting, as required under the FCRA and applicable federal collection laws. 

Name and contact of the data furnisher, including the address and compliance officer responsible. 



-- - Relief Requested : Due to the repeated violations and inability to maintain materially accurate data, I demand the permanent deletion of this account from all consumer reporting agencies under : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i Inadequate reinvestigation FCRA 1681s-2 Continued reporting of disputed, unverifiable information CFPB Fair Credit Reporting Rule 1022.42 Incomplete/inconsistent furnishing XXXX XXXX  This inaccurate reporting has caused undue harm to my creditworthiness and financial standing. I demand prompt action from both the CFPB and the credit bureaus to correct and remove this harmful data.

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