Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Complaint Regarding TransUnion 's Failure to Conduct a Reasonable Investigation and Remove Inaccurate Information Furnished by XXXX XXXX XXXX. 

This complaint details TransUnion 's failure to conduct a reasonable investigation and remove inaccurate and unlawfully reported information furnished by XXXX XXXX XXXX ( XXXX ) regarding an alleged debt originally with XXXX XXXX. Despite my formal dispute providing clear evidence of inaccuracies, TransUnion continues to report this item, violating the Fair Credit Reporting Act ( FCRA ).

Timeline of Events : XX/XX/XXXX : I sent a certified letter to XXXX XXXX XXXX ( XXXX ), requesting full debt validation under FDCPA 1692g. This letter also included a settlement offer. 



XX/XX/XXXX : XXXX sent a reply letter. This letter provided inadequate validation, merely stating they " confirmed that the balance shown ... is the amount that XXXX XXXX claims is owed '' and directed me to an online portal for supporting materials. 



XX/XX/XXXX : I sent a formal dispute letter via certified mail to TransUnion, detailing the inaccuracies and violations committed by XXXX, including re-aging and failure to validate. 



XX/XX/XXXX ( approximate ) : TransUnion responded to my dispute, stating the account information had been " verified '' and would remain on my report.

Currently : The inaccurate information remains on my TransUnion credit report.

TransUnion 's Failure to Conduct a Reasonable Investigation ( FCRA Violations ) : TransUnion has failed in its duty to conduct a reasonable investigation into the accuracy of the disputed information, as required by FCRA 1681i ( a ) ( 1 ) ( A ) and FCRA 1681i ( a ) ( 4 ). My dispute provided clear evidence of multiple inaccuracies, yet TransUnion merely accepted a re-certification from XXXX XXXX XXXX without adequately scrutinizing the facts.

Specifically, TransUnion continues to report : Illegal Re-aging of Debt : My TransUnion report shows a " Date Opened '' for the XXXX XXXX XXXX account of XX/XX/XXXX. This date falsely represents the age of the debt, as it is the date XXXX acquired the account, not the original date of first delinquency ( DOFD ). The XXXX XXXX bill provided by TSI as " validation '' is dated XX/XX/XXXX, and clearly marks the account as " Past Due '' with a " Remaining Previous Balance. '' This proves the debt originated and became delinquent long before XX/XX/XXXX. By allowing this re-aged date to remain, TransUnion is permitting the extension of the permissible reporting period beyond the 7 years from the true DOFD, violating 15 U.S.C. 1681c ( a ) ( 4 ).

Inaccurate Balance Reporting : My TransUnion report states the balance for this account is {$480.00}. However, th
e XXXX XXXX bill that XXXX XXXX XXXX provided lists a " Total Due '' of {$830.00} and a " Remaining Previous Balance '' of {$720.00}. There is no mention of a {$480.00} balance. TransUnion 's failure to identify and correct this glaring discrepancy, despite being provided with the original bill, constitutes a failure in their duty to ensure " maximum possible accuracy '' under FCRA 1681e ( b ). This also implicates FCRA 1681s-2 ( a ) ( 1 ) ( A ), as they failed to correct inaccurate information furnished by XXXX. 



Continued Reporting of Unvalidated Debt : I formally requested validation from XXXX XXXX XXXX on XX/XX/XXXX. Their response was inadequate and failed to provide the full validation required by FDCPA 1692g ( b ). Instead of providing a signed contract or complete itemization of charges, they merely stated the balance was " confirmed '' with the creditor and directed me to a website. Despite being informed of this dispute and lack of validation in my dispute letter to TransUnion, the bureau continues to report this account. This demonstrates a failure to reasonably investigate the legal standing and validity of the debt being reported.

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