Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint Against TransUnion for Inaccurate Credit Reporting and FCRA Violations I am submitting this complaint against TransUnion for consistently reporting inaccurate, incomplete, and unverifiable information on my credit report, despite multiple disputes and requests for correction and validation under the Fair Credit Reporting Act ( FCRA ).

1. Inaccurate Personal Identifiers TransUnion is reporting multiple incorrect versions of my name, which do not match my legal name as stated on my government-issued ID : XXXX XXXX XXXX XXXX XXXX The following inaccurate name variations are currently listed and must be removed : XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These variations have caused confusion and mismatches with account reporting and are a violation of FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information.

2. Failure to Validate Disputed Accounts Despite my formal disputes, TransUnion has continued to report inaccurate and unverifiable accounts without providing any validation or original documentation as required under FCRA 1681i. Specifically : XXXX XXXX Acct XXXX XXXX Status : Charged off with {$150.00} balance TransUnion has failed to provide original documentation or explain verification. 
XXXX XXXX XXXX Acct # XXXX Status : Collection, {$650.00} Debt buyer reporting without proper validation from the original creditor ( XXXX XXXX XXXX, XXXX. ). Verification method remains undisclosed. 
XXXX XXXX XXXX  XXXX Acct # XXXX Status : Closed, but reported 30 days late in error. 
Dispute filed, but no supporting documents or correction provided. 
XXXX XXXX XXXX Acct # XXXX Status : Collection, {$700.00} Original creditor : XXXX XXXX 
This debt is unsubstantiated and being reported inaccurately. 
XXXX XXXX XXXX Acct # XXXX Status : Charged off, {$9.00} This entry is both misleading and lacks documentation of the original charge-off. 



3. Mislabeling of Active, Non-Delinquent Accounts TransUnion has misclassified certain active and non-delinquent tradelines as potentially negative, which misrepresents the actual account status and negatively impacts my credit score. This is misleading and violates FCRA 1681i ( a ) and 1681e ( b ), as these entries are not, in fact, derogatory.

I have repeatedly requested the following, which TransUnion has failed to provide : The names and addresses of furnishers who verified disputed accounts.

Copies of original documentation used in the reinvestigation process.

A proper explanation of how accounts were verified or reinvestigated.

This is a direct violation of FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires CRAs to disclose the procedures used to verify disputed information.

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