Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting a formal investigation into a pattern of inaccurate, misleading, and retaliatory reporting on my credit file, which I believe is designed to suppress my credit score unjustly. 

In XXXX, I placed a fraud alert ( XXXX ) and later a security freeze on my credit reports after being a victim of identity theft. My personal data was compromised in both the XXXX  and XXXX data breaches, with personal information including my phone number leaked on the dark web. 

In XX/XX/XXXX, my credit score was in the XXXX. At the time, my credit file included student loans ( all in good standing ), two collection accounts, and one hard inquiry. After one collection was removed, my score increased only slightly to XXXX, although XXXX XXXXXXXX XXXX simulator estimated a XXXX increase. 

I later discovered 11 paid student loans were incorrectly listed as unsatisfactory. My utilization was also being reported as 103 %, which I believe is inaccurate. I disputed these issues on XX/XX/XXXX ( Credit File # XXXX ), requesting that all loans be reported in satisfactory status. 

The response I received included what I consider retaliatory actions : Student loan accounts were deleted instead of corrected.

A closed, positive credit card account ( XXXX XXXX ) was ignored and the credit history of this card was not being factored into my profile as it should have been. 

My score dropped over XXXX points without explanation. 


Despite improvements in my credit file ( fewer collections, hard inquiry removed, all student loans in good standing ), my score remained stagnant or declined, and inaccurate reporting of 103 % utilization continued.

In XX/XX/XXXX, I disputed a collection again and requested debt validation. No proof was provided, yet my score dropped by XXXX points, and the CRA claimed I had previously disputed the same debt which is within my rights to do. 

I believe the credit bureaus have shown a pattern of inaccurate and disingenuous reporting, and are using skewed data and inconsistent handling of disputes to keep my score suppressed. This has harmed my ability to qualify for reasonable credit and has left me with little confidence in the fairness of the credit reporting process.

Refusal to correct inaccuracies Numerous Refusals to perform accurate investigations Refusals to provide validation after being asked to provide validation on collection account.

Refusal to conduct proper investigation as defined by the FCRA. 

Currently being sued for the above activies ( Norman vs Trans union LLC ).

I am currently officially opted out of the lawsuit mentioned above because the scope my issues with Transunion LLC. goes far beyond accepting a settlement such the one being offered to resolve the damage done, that continues daily.

Unwarranted consistently lowering my credit score.

Constantly and consistently bombarded with Solicitations from this company to fix bad credit issues. Conflict of interest.

Fyi. All documentation supporting my claims are not necessarily presented in this correspondence at this time due to the volume however the evidence I have provided should be sufficient to prove my claim including the current settlement claim information.

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