Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have repeatedly requested that TransUnion properly investigate and validate the accounts appearing on my credit file. Specifically, I requested : Validation of all reported accounts ( including XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX ) with original documentation. 
Copies of the original contracts and retail installment agreements, including proof that these companies have the legal right to collect or report the debts. 
A full accounting ledger of payments, showing how funds were applied to principal versus interest, particularly on the XXXX XXXX XXXX XXXX XXXX XXXX  auto loan. 
A detailed ledger of late payments, since the dates of delinquency are being reported inconsistently across bureaus. 
Proof of the original balances and charge-off amounts, not the inflated or re-aged balances that are currently reported.

Suspension of reporting on disputed accounts until validation was provided.

Despite these requests, TransUnion has continued to verify the accounts with the furnishers without producing the documentation I specifically asked for. This violates : FCRA 607 ( b ) duty to assure maximum possible accuracy in reporting. 
FCRA 611 ( a ) ( 1 ) duty to conduct a reasonable reinvestigation of disputed information.

FCRA 611 ( a ) ( 5 ) duty to delete or correct unverifiable or inaccurate information within 30 days.

FCRA 609 ( a ) ( 1 ) & ( 3 ) duty to provide consumers with sources of information and itemized details upon request.

FCRA 605 ( c ) prohibiting re-aging of accounts beyond the 7-year reporting period. 
California Rosenthal Fair Debt Collection Practices Act prohibiting false, misleading, or deceptive credit reporting or collection practices.

California Unfair Competition Law ( Bus. & Prof. Code 17200 ) prohibiting unlawful and unfair business practices.

In addition, TransUnion sent me a data breach notice dated XX/XX/year>, admitting that my Social Security Number and Date of Birth were exposed due to a cyber incident. As a direct result : On XX/XX/year>, my credit score dropped by XXXX points. 
On XX/XX/year>, my monitoring service alerted me that my personal information ( including SSN, DOB, phone number, and email ) appeared on the dark web 17 times.

This failure to safeguard sensitive personal data violates : FCRA 623 ( a ) ( 1 ) ( A ) prohibition against reporting information with actual knowledge of errors. 
FTC Safeguards Rule ( Gramm-Leach-Bliley Act, 15 U.S.C. 68016809 ) duty to protect the security and confidentiality of consumer information.

California Consumer Privacy Act ( CCPA, Cal. Civ. Code 1798.100 et seq. ) duty to safeguard and properly handle personal information.

TransUnions negligence and repeated failure to comply with these laws have caused severe credit damage, monetary harm, emotional distress, and exposed me to identity theft.

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