Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion for their continued failure to report accurate and verifiable information on my consumer credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and its relevant subsections. Despite my good faith efforts, these inaccurate items remain on my credit report and are causing unjustified harm to my financial standing. Below is a list of the accounts in question, along with associated issues and legal violations. 
XXXX XXXX Acct # : XXXX High Balance : {$670.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account is inaccurately reported as a charge off, despite no proper validation of debt having been provided. The reporting lacks date of last payment, accurate balance updates, and proper documentation. 
Violation : FCRA 1681s-2 ( b ) Failure to conduct a proper reinvestigation upon dispute ; 1681e ( b ) Failure to maintain maximum possible accuracy. 
XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : Multiple late payments are reported without verification of actual payment history. I was not served proper billing statements or notice. The account may also have incorrect balance reporting.

Violation : FCRA 1681i Failure to reinvestigate disputed information ; 1681e ( b ) Inaccurate and outdated information. 
XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account is reporting late payments inaccurately. I have documentation showing payments were made on time or within the grace period. This incorrect reporting has hurt my score unfairly.

Violation : FCRA 1681s-2 ( a ) Furnishing of inaccurate information ; 1681c Reporting outdated or unverifiable data. 
XXXX Acct # : XXXXXXXX XXXX  High Balance : {$14000.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This charge off status is not substantiated with a valid notice of default or proof of delinquency. No itemized breakdown of charges has been provided and the account appears inflated. 
Violation : FCRA 1681b Permissible purpose doctrine violated ; 1681e ( b ) Lack of accuracy and fairness in reporting. 
DEPT OF ED/XXXX Acct # : XXXXXXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This student loan account is showing late payments that were either in deferment or under COVID-19 forbearance, during which reporting of delinquencies should have been paused.

Violation : FCRA 1681e ( b ) Failure to reflect accurate payment status ; 1681s-2 Furnisher responsibilities violated. 
DEPT OF EDXXXX XXXXcct # : XXXXXXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : Duplicate or fragmented reporting of same loan as separate tradelines. Also shows incorrect late payments during deferment period. 
Violation : FCRA 1681c-2 Blocking of information from identity theft or duplicate ; 1681i Failure to correct or delete inaccurate data. 
XXXX XXXX XXXX Acct # : XXXXXXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This collection account is being reported without proper validation or chain of custody from original creditor. Debt may be time-barred or already settled.

Violation : FCRA 1681g Failure to provide full file disclosure ; FDCPA 809 Lack of debt validation. 
XXXX XXXX XXXX Acct # : XXXXXXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This collection agency has placed an account with inconsistent reporting history, missing creditor name, and no validation sent to me upon request. May be reporting beyond statute of limitations.

Violation : FCRA 1681s-2 ( b ) Reinvestigation failure ; FDCPA 807 False or misleading representation.

Summary of Harm and Request : TransUnion has failed to comply with federal law in the handling of these accounts. The lack of accuracy, verifiability, and transparency in reporting constitutes negligence and willful noncompliance under FCRA 1681n and 1681o. I am suffering direct financial and emotional damages due to these violations, including credit denials, higher interest rates, and emotional distress.

I am requesting the CFPB to : Open a formal investigation into TransUnions failure to comply with the FCRA Require TransUnion to delete or correct the above-mentioned accounts Enforce all applicable penalties for willful noncompliance Ensure my credit file is updated with only verified, accurate, and complete information I am attaching all supporting documentation, including prior dispute letters, identity verification, and payment records. I respectfully urge the CFPB to take immediate action.

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