Consumer complaint received 2025-08-27 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: NV

Complaint narrative:
Complaint Against TransUnion FCRA Violations This is my third formal dispute against TransUnion regarding multiple inaccurate, contradictory, and unverifiable accounts that continue to appear on my credit file.

The first two disputes were filed directly through the CFPB, and this third dispute was submitted via Certified Mail to TransUnion ( green card proof of delivery attached ). Despite these repeated efforts, TransUnion has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically : 602A : Duty to maintain fair and accurate reporting.

605B : Duty to block information resulting from fraud or unverifiable activity.

607 ( b ) : Duty to follow reasonable procedures to assure maximum accuracy.

611 ( a ) : Duty to conduct a reasonable investigation and correct errors within 30 days.

623 ( a ) : Duty not to report information known to be inaccurate or that can not be verified. 

Accounts in Dispute and Documented Violations XXXX. XXXX XXXX XXXX Account ending in XXXX Inter-bureau inconsistency : Appears only in TransUnion, not in XXXX XXXX XXXX 
Balance reported exceeds actual balance.

Contradictory status : Worst Delinquency = None but marked as Charge-Off.

Invalid prior verification : No signed contract, payment ledger, or DOFD provided.

Violations : 607 ( b ), 611 ( a ) ( 7 ), 623 ( a ) ( 1 ) ( A ).

XXXX XXXX XXXX XXXX XXXX XXXXccount ending in XXXX Documentary evidence : Official closure letter ( XX/XX/XXXX ) states Permanently Closed, yet TU continues to report negatively. 
Worst delinquency inconsistencies across bureaus XXXX XXXX : Charge-Off -TU : Bad Debt / Charge-Off -XXXX : Loss by credit grantor Inconsistent dates and balances.

Incomplete payment history.

Violations : 607 ( b ), 611 ( a ) ( 7 ). 

XXXX. XXXX XXXX Account ending in XXXX Inter-bureau inconsistency : Appears in TU and XXXX  not in XXXX. 
Account marked closed but still reporting negatively.

DOFD missing and reporting dates misaligned.

Invalid prior verification.

Violations : 607 ( b ), 605 ( a ), 611 ( a ) ( 7 ). 

4. Child Support Florida Dept. of Revenue Account ending in XXXX Reported as Open with {$400.00} balance despite official receipt proving {$0.00} balance.

Failure to update despite documentary proof.

Violations : 607 ( b ), 611 ( a ) ( 5 ) ( A ), 611 ( a ) ( 7 ).

Formal FCRA Requirement 611 Within 30 days, TransUnion must : 1. Permanently delete or correct these inaccurate accounts. 
2. Provide the method of verification for each account, including : -Name and contact information of the verifier.

-Detailed description of the verification process.

-Copies of all documents relied upon to verify the information.

Legal Notice If TransUnion fails to comply, I will escalate by : Filing additional formal complaints with the CFPB, FTC, and the Nevada Attorney Generals Office.

Pursuing statutory damages under FCRA 616 and 617 for willful or negligent non-compliance.

Attached Evidence 1. Copy of government-issued ID. 
2. Copy of Social Security card.

3. Official FTC Identity Theft Report. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
5. Official closure letter XXXX XXXX ( XX/XX/XXXX ). 
6. MyFICO report showing inter-bureau inconsistencies.

7. Child Support payment receipt XX/XX/XXXX. 
8. Certified Mail green card proving receipt by TransUnion.

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