Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear CFPB Officer, I am filing this formal complaint against TransUnion for repeatedly violating the Fair Credit Reporting Act ( FCRA ) by furnishing and continuing to report inaccurate, outdated, and unverifiable information on my credit report, despite prior disputes. These actions have severely harmed my creditworthiness, financial opportunities, and mental well-being.

This is my second complaint against TransUnion. Although I had submitted disputes previously, TransUnion has failed to investigate and correct the inaccurate information as required under federal law. I have not yet filed an FTC Identity Theft Report, but I have an active open CFPB case, and I am now submitting this complaint with additional supporting details.

Below are the disputed accounts that remain inaccurately reported on my TransUnion credit file : 1. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX High Balance : {$290000.00} Date Opened : XX/XX/XXXX Issue : This account is reporting multiple late payments that I dispute. These delinquencies are not accurate and are not supported with proper validation or documentation. 
Law Violated : FCRA 611 ( 15 U.S.C. 1681i ) failure to conduct a reasonable reinvestigation.

Additional Concern : The creditor failed to notify me of any delinquency or default. No monthly statements or formal notices were received. The reporting has caused severe damage to my credit profile.

2. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Issue : This is a charge-off account that is over 17 years old. It is well beyond the 7-year reporting limit under the FCRA.

Law Violated : FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ) accounts can not be reported more than 7 years after the date of first delinquency.

Additional Concern : This obsolete debt should have been permanently deleted, yet TransUnion continues to report it.

3. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Issue : Similar to the above, this account is a charge-off that is more than 17 years old. It is also in violation of the 7-year reporting limit.

Law Violated : FCRA 605 ( a ) ( 4 ) Additional Concern : Reporting of time-barred debts is misleading and creates a false representation of my creditworthiness.

4. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$30000.00} Date Opened : XX/XX/XXXX Issue : This account is reporting late payments that are not accurate. The payment history contains inconsistencies and has not been verified by the furnisher.

Law Violated : FCRA 611 ( a ) failure to investigate and correct disputed information.

Additional Concern : I have made timely payments, and the late marks seem to be automatically generated errors.

5. XXXX XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  High Balance : {$19000.00} Date Opened : XX/XX/XXXX Issue : This charge-off account is over 13 years old and exceeds the FCRAs 7-year reporting window.

Law Violated : FCRA 605 ( a ) ( 4 ) continued reporting of expired negative items.

Additional Concern : This debt was settled over a decade ago, and no legal obligation remains.

6. XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2600.00} Date Opened : XX/XX/XXXX Issue : This account is listed as a charge-off, but I never received proper billing or notice of default. The balance and status appear incorrect.

Law Violated : FCRA 607 ( b ) information must be accurate and complete.

Additional Concern : The furnisher has failed to verify this information upon my request, and TransUnion failed to delete or correct it.

Summary of Violations by TransUnion : Reporting outdated and obsolete information ( FCRA 605 ) Failing to investigate disputed information ( FCRA 611 ) Failure to maintain maximum accuracy ( FCRA 607 ( b ) ) Continuing to report unverifiable and damaging negative items My Experience & Impact : These errors have resulted in loan denials, higher interest rates, and mental distress. I am a responsible consumer who has taken all steps required under the FCRA to dispute these accounts. TransUnion has either ignored my dispute or responded with generic results, failing to provide meaningful investigation or proof.

Despite providing TransUnion with written disputes, they have continued reporting erroneous information, which is not only negligent but a willful violation of the law. I am requesting the CFPBs urgent assistance to compel TransUnion to : 1. Permanently remove the inaccurate, unverifiable, or obsolete accounts listed above 2. Provide written confirmation of deletion and investigation results 3. Ensure future compliance with the FCRA Relief Requested : I am requesting immediate deletion of the above accounts, a thorough investigation with documentation, and penalties/fines if necessary to ensure compliance by TransUnion.

Thank you for your time and attention to this matter.

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