Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint against TransUnion for continued reporting of mixed file accounts that XXXX XXXX XXXX have already deleted. Despite submitting identity documentation and dispute letters, TransUnion continues to report unverifiable and inaccurate accounts including XXXX aka XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX These accounts are tied to previously removed names and addresses ( including XXXX XXXX, XXXX XXXX, and others ). XXXX  confirmed this was a mixed file and deleted all related data. XXXX followed. TransUnion refused. 

They also : Re-aged charged-off accounts to make them appear currently late Updated accounts without verification from furnishers Failed to notify me of reinsertion or changes Violated multiple FCRA provisions including 1681e ( b ), 1681i ( a ), 1681s-2 ( a ), and 1681n I never received verification from the furnishers themselves. TransUnion marked accounts as verified without actual proof, which is a violation of 1681i ( a ) ( 1 ) ( A ). This has damaged my credit, delayed essential purchases like a vehicle, and caused me emotional and financial harm while I support a terminally ill sibling and manage my own health issues.

I am attaching a PDF evidence packet labeled Exhibits AU, including screenshots of : Accounts removed by XXXX XXXX XXXX but still reporting with TransUnion XXXX being updated despite being deleted by XXXX in XXXX Conflicting credit summaries and payment histories A graphic timeline ( Exhibit U ) summarizing the violations visually TransUnion has also falsely presented my credit report as showing XXXX derogatory marks, while simultaneously reporting multiple negative accountsspecifically XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These accounts include 30-, 60-, 90-, and even 120-day lates, charge-offs, and collections, which should be classified as derogatory under standard credit reporting definitions.

This misrepresentation : Deceives consumers who rely on summary data to assess their credit health Misleads lenders, as the underlying derogatory data still affects scoring models Violates 15 U.S.C. 1681e ( b ) for failure to ensure maximum possible accuracy of all information in a credit report And demonstrates a pattern of suppression and manipulation designed to obscure the bureaus noncompliance This false reporting must be corrected, and all associated negative accounts removed to reflect a truly accurate and lawful consumer file. 

TransUnion has falsely presented my credit report as showing XXXX derogatory marks, while simultaneously reporting multiple negative accountsspecifically XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. These accounts include 30-, 60-, 90-, and even 120-day lates, charge-offs, and collections, which should be classified as derogatory under standard credit reporting definitions.

This misrepresentation : Deceives consumers who rely on summary data to assess their credit health Misleads lenders, as the underlying derogatory data still affects scoring models Violates 15 U.S.C. 1681e ( b ) for failure to ensure maximum possible accuracy of all information in a credit report And demonstrates a pattern of suppression and manipulation designed to obscure the bureaus noncompliance TransUnion must be federally audited. Their handling of my credit file proves a pattern of manipulationaltering account summaries, re-aging charge-offs, tying accounts to removed identifiers, and failing to provide proper verification from furnishers. They are actively misrepresenting data to consumers and creditors, in violation of multiple sections of the Fair Credit Reporting Act. These are not isolated issues. This is systemic behavior, and I am demanding a full investigation and compliance audit of their consumer reporting practices. 
This false reporting must be corrected, and all associated negative accounts removed to reflect a truly accurate and lawful consumer file.. 
I am demanding full deletion of all mixed file accounts, removal of unverifiable data, and compliance with federal law. This matter has also been submitted to the FTC and the PA Attorney General.

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