Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
-- - * * Subject : * * * Formal Complaint TransUnion Reporting Inaccurate Information / Violation of FCRA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am filing a formal complaint regarding TransUnions continued reporting of the XXXX XXXX XXXX XXXX XXXX account ( Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account contains * * materially inaccurate and misleading information * *, and TransUnion has violated its obligations under the * * Fair Credit Reporting Act ( FCRA ) * * by refusing to correct or delete the erroneous data. 

# # # * * 1. TransUnion is Reporting Inaccurate Dates ( FCRA 607 ( b ) ) * * The Date Closed is being reported as XXXX XXXX XXXX XXXX XXXX, even though the loan originated in XXXX XXXX XXXX XXXX XXXX  and the payment history does not support this as the true date of final payoff. This date is inaccurate, misleading, and inconsistent with the actual timeline of the loan. Furnishers must report dates with maximum possible accuracy. 

XXXX XXXX XXXX XXXXXXXX XXXX TransUnion CorpXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX held that CRAs must conduct a * reasonable reinvestigation * and can not rely solely on the furnishers automated verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate dates of account status constitute a violation of FCRA. 

# # # * * 2. TransUnion Failed to Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ) * * The remark added to my report states : * * Completed investigation of FCRA dispute consumer disagreed : XXXXXXXX XXXX XXXX  This confirms TransUnion did not properly reinvestigate and simply accepted the furnishers response without validating the reported information. Courts have repeatedly found this insufficient : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRAs are liable when they verify information without ensuring its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX verifying inaccurate data without documentary evidence violates 611.

# # # * * 3. The Current Reporting is Misleading and Must Be Deleted ( FCRA 1681e ( b ) ) * * Even if TransUnion argues the information is technically accurate, the law requires that it not be * * misleading * *. Courts have repeatedly held that : * * * Technically accurate but misleading information violates the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting a wrong date, even by omission, is enough to require deletion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate Date Closed is materially misleading because it artificially extends the reporting period by XXXX XXXX XXXX additional years * *, which is a direct harm.

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 explanation