Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding TransUnions failure to accurately update and report my consumer credit file. Despite account activity and disputes, TransUnion has suppressed my credit scores for nearly three months, leaving them frozen while XXXX XXXX XXXX  updated normally. 

Score Suppression Evidence : XX/XX/scrub>XXXX XXXX XXXX XXXX  TU score XXXX XX/XX/year> : TU score XXXX XX/XX/year> : TU score XXXX XX/XX/year> : TU score XXXX During this same timeframe, XXXX  increased from XXXX XXXX ( XXXX points ) and XXXX  fluctuated as expected. TransUnions lack of movement indicates data suppression or failure to update in violation of federal law. 

Key Account Discrepancies Across Bureaus : XXXX : TU reports a {$23000.00} derogatory charge-off. XXXX and XXXX do not report this account at all. 

XXXX : TU reports a {$7600.00} derogatory charge-off. XXXX and XXXX do not report this account. 

XXXX XXXX XXXXXXXX : TU reports a {$10000.00} derogatory charge-off. XXXX  reports dispute resolved consumer disagrees but no current balance data. XXXX does not report this account. 

These contradictions demonstrate inconsistent and inaccurate furnishing across bureaus. 

Violations of Consumer Law and FCRA : FCRA 602 ( A ) : I have the right to fair and accurate credit reporting. 

FCRA 609 ( a ) ( 1 ) : TransUnion must provide complete disclosure of the data it uses, including sources and scoring methodology.

FCRA 611 ( a ) : TransUnion failed to reinvestigate my disputes within 30 days, as required by law.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report false, inconsistent, or misleading information.

FCRA 623 ( a ) ( 5 ) : Date of First Delinquency ( DOFD ) must be reported accurately and not re-aged.

Metro-2 Standards : Require consistency across all CRAs. TransUnion is in violation by continuing to report accounts differently from XXXX XXXX XXXX 

XXXX : I am attaching XXXX XXXX reports dated XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. These clearly show XXXX score stagnation ( XXXX ) and the inconsistent reporting of derogatory tradelines compared to XXXX XXXX XXXX 

Relief Requested : I respectfully request that the CFPB require TransUnion to : Conduct a proper reinvestigation of the above accounts.

Provide full documentation verifying accuracy, including DOFD, furnisher records, and scoring methodology.

Delete unverifiable or suppressed derogatory tradelines.

Correct suppression of scores by updating my file consistently with Metro-2 standards. 

TransUnions suppression and failure to respond to disputes is materially harming my creditworthiness and preventing fair access to credit.

Thank you for your assistance in resolving these violations. 

Consumer : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX

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