Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I sent dispute letters to TransUnion ( delivered on XX/XX/XXXX, via Certified Mail # XXXX, and XX/XX/XXXX, via Certified Mail # XXXX ) regarding an account reported by XXXX XXXX ( Account # XXXX *, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX ). The account is reported as Settled - Less Than Full Balance and Closed with a {$0.00} balance, yet it includes derogatory marks, such as Late 120 Days and payment history ratings ( e.g., 120 days late from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  90 days late in XX/XX/XXXX, and 60 days late from XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ). I disputed these derogatory marks as inaccurate and unverifiable, requesting documented evidence of verification as required by the Fair Credit Reporting Act ( FCRA ). 

TransUnion responded to both disputes, claiming the information was verified as accurate and updated only the Historical Trended Data. However, they provided no documentation or evidence to support the verification, despite my explicit request for a complete description of the investigation process, including all documents and correspondence with XXXX XXXX, as mandated by 15 USC 1681i ( a ) ( 7 ). This failure violates multiple consumer protection laws, including : 1. Inaccuracy ( 15 USC 1681e ( b ) ) : The derogatory marks and Late 120 Days status are inconsistent with the accounts settled status and {$0.00} balance, paid by XX/XX/XXXX. The Consumer Financial Protection Bureaus Advisory Opinion on Facially False Data ( XXXX XXXX ) requires removal of logically inconsistent data, which applies here. 

2. Unverifiable Information ( 15 USC 1681i ( a ) ) : TransUnion and XXXX XXXX failed to provide verifiable evidence ( e.g., original creditor documents, loan lifecycle details ) to substantiate the derogatory marks, violating the verification requirements outlined in XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ). 

3. FCRA Furnisher Obligations ( 15 USC 1681s-2 ) : XXXX XXXX has not ensured the accuracy of reported data, as evidenced by the inconsistent reporting across bureaus ( XXXX XXXX Paid status vs. TransUnions Derogatory ). The CFPB XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) emphasizes furnishers duty to investigate disputes thoroughly. 

4. FDCPA Violation ( 15 USC 1692g ) : XXXX XXXX has not provided a debt validation notice to justify the derogatory reporting, rendering it improper under the Fair Debt Collection Practices Act. 

5. Obsolete Information ( 15 USC 1681c ) : While the delinquency began in XX/XX/XXXX, the continued reporting of outdated derogatory marks ( last activity XX/XX/XXXX ) without proper verification raises concerns about compliance with FCRA reporting timelines. 

Despite my good-faith efforts to resolve this issue, TransUnion and XXXX XXXX have not corrected or removed the inaccurate and unverifiable information. This ongoing reporting is causing harm to my creditworthiness.

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