Consumer complaint received 2025-07-24 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:
TransUnion and XXXX are currently reporting a charged-off account from XXXX ( Account No. XXXX * * ) * *, dated XXXX with a balance of {$7800.00}, and I am demanding its immediate deletion. This account is being inaccurately and unfairly reported, and both credit reporting agencies have failed in their legal obligation to ensure the accuracy, integrity, and verifiability of this tradeline in violation of multiple provisions of the Fair Credit Reporting Act. 

To begin with, this account is being reported as a charge-off with an ongoing balance owed, despite the fact that the underlying circumstances surrounding its reporting are riddled with inconsistencies, missing documentation, and lack of proper creditor validation. I have requested that both TransUnion and XXXX  conduct a thorough reinvestigation, provide actual documentation verifying the origin, ownership, and validity of this debt, and confirm whether XXXX even still retains ownership of this account or has sold it to a third party. Instead of engaging in a lawful and meaningful reinvestigation, both bureaus responded with vague and superficial verified responsesdevoid of any supporting records, billing statements, or original contracts that could substantiate the continued reporting of this charged-off account. This is a direct and clear violation of 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation of disputed items with actual substantiation, not mere automated responses or blind reliance on unverifiable furnisher data. 

Moreover, by continuing to publish this information with no updated validation or confirmation from XXXX, TransUnion and XXXX are knowingly violating their duty under 15 U.S.C. 1681e ( b ) to maintain reasonable procedures to ensure the maximum possible accuracy of what they place on consumer reports. These are not passive reporting entitiesthey profit from the information they distribute, and they are federally regulated with specific obligations to prevent this exact type of negligent harm. There is absolutely no legitimate reason why either bureau should still be reporting this account without certifiable, detailed, and recent evidence of its accuracy and legal validityespecially considering that this debt may have changed hands, been settled, or otherwise resolved in a manner not reflected in their systems. 

To be clear, I am not claiming fraud or identity theft. What I am saying is this : the continued presence of this account, with no updated record of ownership, no legally sufficient documentation, and no transparent accounting of its current legal status, suggests that its existence in my report is more likely the result of sloppy data retention, failure to audit furnishers, or the mishandling of consumer information possibly exposed through a broader systemic breach. Regardless of the cause, the burden is not on me to prove what the bureaus should be verifying before publication. 

This account is severely damaging my financial life. Since it has been reported, I have been denied credit, faced higher interest rates, and had my loan applications delayed or declined due to the alarming appearance of a nearly {$8000.00} charge-off sitting unresolved on my file. This is not just a numberits a red flag that triggers automatic denials, lowers my score substantially, and casts an unjust shadow over my entire credit profile. I have worked hard to maintain responsible credit behavior, but because TransUnion and XXXX insist on reporting unverified and outdated information, I am continuously punished by systems that rely on their negligence. 

The emotional toll of this ongoing situation can not be overstated. I have spent countless hours disputing, calling, emailing, and trying to get this addressed through proper channels, only to be stonewalled by a system that favors convenience over compliance. It is both exhausting and infuriating to be dismissed with verified responses that do nothing to validate or explain the data theyre defending. No consumer should have to fight this hard to correct a mistake they didnt create.

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