Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against TRANSUNION for the continued reporting of inaccurate, incomplete, and unverifiable information on my credit report. Despite my prior written disputes and requests for reinvestigation, TRANSUNION has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2, and the California Consumer Credit Reporting Agencies Act ( CCCRAA ), Cal. Civ. Code 1785.101785.25. My credit report still contains multiple inaccurate entries that are severely damaging my credit reputation and preventing me from obtaining fair access to credit. The accounts in question are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Each of these accounts has been disputed multiple times, yet TRANSUNION has failed to remove or correct the inaccurate data in violation of both federal and state law. 

Under California Civil Code 1785.25 ( a ) and FCRA 1681e ( b ), TRANSUNION is required to maintain reasonable procedures to assure maximum possible accuracy of the information it reports. Instead, it continues to publish unverifiable late payments, false charge-off statuses, and collection data that can not be substantiated through proper documentation. For instance, XXXX XXXX XXXX  XXXX continues to report a charged-off balance that was never valid, XXXX XXXX XXXX XXXX shows an incorrect delinquency despite timely payments, XXXX XXXX XXXX lists repeated late payments that never occurred, and XXXX XXXX XXXX is reporting a collection balance that was never authorized or properly verified. TRANSUNIONs failure to correct these accounts after repeated notice represents willful and negligent noncompliance with FCRA 611 ( a ) and Cal. Civ. Code 1785.16. 

By continuing to furnish and distribute this false information to third parties, TRANSUNION is engaging in unfair and deceptive business practices in violation of California Business & Professions Code 17200 and the XXXX Federal Consumer Protection Statutes. The bureaus failure to follow XXXX XXXX data integrity standards, coupled with its repeated refusal to properly reinvestigate disputed accounts, has caused measurable damage to my credit score, reputation, and financial stability. These acts constitute not only negligence but also reckless disregard for consumer rights, violating both FCRA 616617 and Cal. Civ. Code 1785.31. 

I am demanding that TRANSUNION conduct a full and lawful reinvestigation of each disputed account and delete all unverifiable, inaccurate, or incomplete information from my credit file. I also expect TRANSUNION to provide me with a corrected credit report and written confirmation of every deletion and change made. All communications and verification records between TRANSUNION and furnishers must be preserved as evidence. If TRANSUNION fails to comply with these statutory obligations within the legally required timeframe, I will pursue all available remedies under federal and California law, including statutory damages, attorneys fees, and injunctive relief. I expect full compliance and confirmation of corrective action without further delay.

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