Consumer complaint received 2025-05-24 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to provide a formal follow-up to my original complaint submitted on XX/XX/year> ( Case # XXXX ), regarding TransUnion LLC and their handling of multiple disputes related to inaccurate, unverifiable, or inconsistent items reported on my credit file. 

While TransUnion has provided a response, I must state that the outcome is unsatisfactory and fails to fully address or correct several ongoing issues. Below are my specific concerns : Insufficient Verification of Items The accounts from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were marked as " updated '' or " verified as reported, '' yet no documentation or method of verification was provided. Under FCRA 611 and 623, I am entitled to see how these debts were verified, including any original creditor documentation. 

Incorrect Reporting Maintained Despite XXXX rounds of formal disputes, TransUnion continues to report derogatory and inconsistent information on several accounts. This includes charge-offs with balances and accounts listed as active despite being closed or written off. 

Lack of Documentation or Validation TransUnion failed to provide any proof of liability, signed contracts, or ownership validation for collection accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. These entries were either ignored or marked without sufficient explanation. 

Failure to Address Inquiries TransUnion has not addressed multiple non-account-holding inquiries over XXXX  days old, which were never authorized. These remain unresolved and continue to negatively impact my creditworthiness. 

No Redress or Compensation for Documented Harm I have suffered measurable financial harm, including denied credit and elevated interest rates, directly linked to the inaccurate and unverified data that TransUnion failed to address appropriately. The label of " non-monetary relief '' ignores the damages incurred. 

Request for Action : I respectfully request that the CFPB require TransUnion to : Provide documented verification of each account marked as " verified, '' including signed contracts, payment history breakdowns, and communication from furnishers. 

Remove or correct all unverifiable, inaccurate, or inconsistently reported items. 

Address and delete disputed hard inquiries that are more than XXXX  days old and not tied to approved credit. 

Acknowledge and compensate the financial harm caused by negligent reporting and dispute handling. 

Thank you for your continued assistance in protecting consumer rights and enforcing compliance under the FCRA. I have retained all dispute correspondence and supporting evidence and am prepared to furnish additional materials upon request. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Last XXXX ) : XXXX

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