Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to their handling of a disputed timeshare account. TransUnion has failed to correct inaccurate reporting and has also failed to comply with FCRA procedural requirements for dispute investigations. 

Background The account in question is a timeshare with the XXXX XXXX, first delinquent in XX/XX/XXXX and I have not made any payments or reached a settlement since then. The company has continuously reported the account as 120 days late, ( now updated to 120+ days late since my recent dispute ), every month since XXXX, even though the account has long been in default and inactive. This practice artificially re-ages the debt and misrepresents it as a current delinquency instead of a historical default. 

Prior Dispute History I mailed a certified dispute to TransUnion on XX/XX/XXXX, requesting that they ( 1 ) conduct a reinvestigation of the timeshare account, ( 2 ) verify or remove the tradeline based on inaccurate reporting, and ( 3 ) provide me with written results by mail. The Certified tracking has not been updated with delivery, but I spoke with a TransUnion representative on XX/XX/XXXX and she verbally confirmed that they received my dispute for this account on XX/XX/XXXX. 

TransUnion did not handle my dispute as required. Instead of opening a separate investigation, they merged my mailed dispute into an online dispute submitted XX/XX/XXXX that was unrelated, then posted the results online. They never sent me written results even though I specifically requested them. 

Under FCRA 1681i ( a ) ( 6 ) ( A ) ( B ), TransUnion must provide written notice of reinvestigation results within five business days of completion, and under 1681i ( a ) ( 1 ) ( A ) each dispute must receive its own reinvestigation. I did not consent to electronic delivery or merging of disputes. TransUnions actions denied me a fair reinvestigation and proper written notice as required by law.

Failure to Correct Inaccurate Reporting TransUnion continues to report this timeshare as 120+ days late each month, even though XXXX  and XXXX  deleted the same account from my credit report in XXXX after determining that the information was inaccurate or unverifiable. This shows that the other nationwide credit bureaus found the data invalid, yet TransUnion refuses to correct it. The account has had no activity or payments since XX/XX/XXXX and should be aged from that original delinquency date. By continuing to refresh the late status, TransUnion is re-aging the account in violation of FCRA 1681c ( a ) ( 4 ) and 623 ( a ) ( 5 ), extending the reporting period beyond seven years.

FCRA Violations TransUnions conduct violates multiple provisions of the FCRA, including : 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation 1681i ( a ) ( 6 ) ( A ) ( B ) failure to provide written notice of results 1681e ( b ) failure to maintain reasonable procedures for accuracy 1681c ( a ) ( 4 ) reporting adverse information beyond seven years 1681s-2 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate or misleading Requested Action I request that the CFPB investigate TransUnions actions and require the following : ( 1 ) Deletion of the ASNY Company tradeline from my TransUnion credit report.

( 2 ) Written notice of reinvestigation results as required by 1681i ( a ) ( 6 ). 
( 3 ) Confirmation that TransUnion will cease merging unrelated disputes and will ensure consumers receive written results when requested.

Harm Caused TransUnions inaccurate and procedurally improper reporting has caused ongoing harm by lowering my credit score, preventing me from obtaining credit on fair terms, and denying me my statutory right to a proper reinvestigation. 

Supporting Evidence I am attaching the following documents : Excerpt from my TransUnion credit report showing the ASNY account and repetitive 120 days late pattern My certified-mailed dispute letter requesting written results TransUnions online response showing 120+ days late pattern XXXX  XXXX letter confirming removal of this same timeshare account Current Experian report showing that the timeshare account has been removed with their reporting as well Thank you for your time and attention to this matter. I respectfully request that the CFPB investigate and enforce XXXX compliance with the FCRAs reinvestigation and notification requirements. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of 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 explanation