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: WA

Complaint narrative:
Description for CFPB Complaint This complaint concerns XXXX continued reporting of inaccurate, incomplete, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite formal written disputes and demands for reinvestigation, TransUnion has failed to correct or delete erroneous data, unverified accounts, outdated information, and improper inquiries. 

The disputed issues include : Inaccurate and Unverifiable Accounts : Multiple derogatory tradelines continue to appear without proper verification or supporting documentation, including accounts associated with XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Each furnisher must be able to produce original contracts, account histories, and chain-of-title documentation. In the absence of such verification, TransUnion is required under 15 U.S.C. 1681i ( a ) to delete the information. Outdated and Obsolete Negative Information : Some negative entries exceed or are nearing the seven-year reporting limit under 15 U.S.C. 1681c ( a ). TransUnion has not removed these obsolete items, which violates the FCRAs restrictions on the retention of aged derogatory data. 

Incorrect Personal Identifiers : TransUnion continues to report inaccurate or extraneous personal identifiers including outdated addresses, prior employers, and name variations such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. These entries are misleading and violate 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in consumer reporting. 

Unauthorized or Improper Inquiries : TransUnion has retained inquiries that either exceed the permissible two-year reporting period or lack a valid permissible purpose under 15 U.S.C. 1681b. Any inquiry without documented consumer authorization or legitimate purpose must be deleted. 

Failure to Conduct a Reasonable Reinvestigation : Despite being notified of disputes, TransUnion has not provided evidence of a proper reinvestigation as required under 15 U.S.C. 1681i ( a ). Verified items must be supported by original documentation, not summaries or unverifiable data.

Failure to Block Potential Identity-Related or Fraudulent Entries : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), TransUnion is obligated to block any data resulting from identity theft or that can not be confirmed as belonging to the consumer. TransUnion has not demonstrated compliance with this requirement. 

XXXX failure to remove or verify these disputed items constitutes willful and negligent noncompliance with federal law. The inaction continues to cause reputational harm and credit reporting inaccuracies. 

I am requesting that the CFPB require TransUnion to : Delete all inaccurate, unverifiable, obsolete, and unauthorized data. 

Conduct a full reinvestigation with documentation from each furnisher. 

Issue an updated and corrected credit report reflecting all lawful deletions. 

Provide written verification of compliance within 30 days. 

This description is submitted in good faith and consistent with consumer rights under the FCRA and related federal regulations.

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