Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
I am filing this complaint against TransUnion for their repeated failure to maintain accurate, complete, and verifiable information on my consumer credit file, which has caused substantial harm, mental distress, and hindered my access to credit. I have disputed the following inaccurate and legally non-compliant items, yet they continue to appear on my TransUnion report without proper investigation or resolution. This is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. 
XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  High Balance : {$16000.00} Date Opened : XX/XX/year> Status : Charge Off This account is inaccurately reporting as a charge-off. I have not received any proper validation of this debt, and there is no documentation verifying the accuracy, ownership, or the amount of the account. Moreover, TransUnion has continued to report this account even after I formally disputed it. This constitutes a willful violation of 15 U.S. Code 1681i ( a ), which mandates that a consumer reporting agency must conduct a reasonable investigation within 30 days of receiving a dispute. The failure to remove unverifiable or inaccurate information also violates 15 U.S. Code 1681e ( b ), which requires the agency to assure maximum possible accuracy. In addition, under 15 U.S. Code 1692g ( b ), the debt collector must cease collection and verify the debt when a consumer disputes it in writing. I have never been provided with any such validation. 
XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/year> Status : Charge Off This account is also reporting inaccurately as a charge-off. I have never been served with any notice of delinquency, nor have I received any billing statements or communications verifying this debt. TransUnion has failed to ensure the completeness and accuracy of this information in violation of 15 U.S. Code 1681e ( b ). Additionally, this account is being reported without providing me with a chance to validate or challenge it as required under 15 U.S. Code 1681i and 15 U.S. Code 1692g. There has been no meaningful investigation conducted despite prior disputes, and it appears TransUnion is merely parroting information received from data furnishers without independent verification, which is a direct violation of their obligations under federal law.

TransUnions continuous reporting of these disputed and unverified accounts has resulted in serious harm to my creditworthiness and reputation. I have been denied financial opportunities, including credit lines, housing applications, and employment screenings. The emotional and financial distress caused by these erroneous entries is severe and ongoing. As a consumer, I am entitled to fair and accurate credit reporting, and TransUnion has demonstrably failed to uphold its legal duties. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnions non-compliance with the FCRA and FDCPA, and take appropriate enforcement action. I demand that these inaccurate and unverifiable accounts be permanently removed from my TransUnion report and that TransUnion be held accountable for its systemic disregard of consumer rights.

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