Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate items that TransUnion continues to report on my consumer credit file. I am requesting a formal review and correction of these items, as the information currently being reported is not accurate, complete, or properly verified as required under the Fair Credit Reporting Act. 

TransUnion is reporting a XXXX XXXX account ( XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$140000.00}, showing late payment history. This late payment reporting is inaccurate and does not correctly reflect the actual payment status of the account. I am disputing the accuracy of the late payment history only and am requesting that TransUnion conduct a proper reinvestigation and correct any inaccurate late payment information being reported. 

TransUnion is also reporting a XXXX, XXXX. account ( XXXXXXXX XXXX XXXX  ), opened on XX/XX/XXXX with a high balance of {$350000.00}, showing late payments. The late payment history being reported is not accurate. I am disputing the late payment reporting only and requesting that TransUnion verify this information with the furnisher and correct any inaccurate late payment history. 

Additionally, TransUnion is reporting a XXXX account ( XXXXXXXX XXXX XXXX  ), opened on XX/XX/XXXX with a high balance of {$350000.00}, showing late payments. This late payment information is inaccurate and does not reflect correct account history. I am requesting a full reinvestigation and correction of the inaccurate late payment reporting associated with this account. 

TransUnion is reporting a XXXXXXXX XXXX  account ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$1000.00}, listed as a charge-off. I have no knowledge of this account and do not recognize it as belonging to me. TransUnion has not provided competent evidence that this account has been properly verified. I am requesting that TransUnion either provide full verification as required by law or delete this account from my credit file. 

TransUnion is also reporting a XXXX account ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$1300.00}, listed as a charge-off. I do not recognize this account and have no knowledge of it. This account has not been properly verified, and I am requesting that it be deleted unless TransUnion can fully validate its accuracy and ownership. 

Further, TransUnion is reporting an XXXXXXXX XXXX account ( XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX with a high balance of {$51000.00}, listed as a charge-off. I do not recognize this account, and TransUnion has failed to provide proper verification. I am requesting deletion of this account unless full and lawful verification can be produced. 

Lastly, TransUnion is reporting a XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/XXXX with a high balance of {$600.00}, listed as a charge-off. I have no knowledge of this account and do not recognize it as mine. This account must be properly investigated and deleted if it can not be fully verified. 

I am requesting that the CFPB require TransUnion to conduct a lawful reinvestigation of each item listed above, correct any inaccurate information, and delete any accounts that can not be fully verified in compliance with the Fair Credit Reporting Act. TransUnion must ensure that all information reported on my credit file is accurate, complete, and verifiable.

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