Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Complaint Narrative TransUnion Product : Credit reporting or other personal consumer reports Issue : Incorrect information on credit report Sub-issue : Account age / length of credit history I am submitting this complaint regarding TransUnions inaccurate and inconsistent reporting of credit aging metrics, including Average Age of Accounts and Oldest Account Age, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
Summary of the issue TransUnion is reporting credit age figures that materially differ from those reported by other national consumer reporting agencies ( including Experian and Equifax ), despite all agencies drawing from the same underlying credit history. These discrepancies demonstrate that TransUnion is either : Including accounts that should not be included in aging calculations, Excluding accounts that should be included, or Relying on inaccurate or unverified date opened data furnished by one or more data providers.

Credit age is a mathematical derivative of fixed historical account dates. It is not subjective. Different aging outcomes across bureaus indicate that TransUnions procedures are not ensuring accuracy. 
FCRA violations implicated This conduct implicates, at minimum : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a lawful reinvestigation of disputed information 15 U.S.C. 1681g ( a ) Failure to clearly and accurately disclose information used in credit scoring factors When credit aging metrics differ across agencies, at least one bureau must be reporting inaccurately. Continued publication of internally inconsistent aging data constitutes misleading credit reporting.

Harm caused This inaccurate credit aging information has caused and continues to cause : Artificial suppression of credit scores Increased perceived credit risk unrelated to actual payment performance Adverse impact on lending, housing, and credit access decisions Because credit age is a high-impact scoring factor, even small inaccuracies cause outsized harm. 

Requested resolution I am requesting that TransUnion : Conduct a documented reinvestigation of all account date opened data used in its credit aging calculations ; Remove or exclude any account data that can not be verified with complete and consistent historical records ; and Correct or suppress credit aging metrics that can not be calculated with maximum possible accuracy. 
If TransUnion can not ensure accurate and consistent credit age calculations, continued reporting of those metrics should cease. 
Supporting documentation demonstrating discrepancies across consumer reporting agencies.

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