Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This complaint is being filed against TransUnion for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) and for its failure to ensure the maximum possible accuracy of the information contained in my consumer report, as required under 15 U.S.C. 1681i. 
Since XX/XX/XXXX, I have submitted multiple disputes regarding inaccurate, and misleading information being reported by furnishers on my TransUnion report. Despite my good faith efforts and clear documentation, TransUnion continues to verify clearly false information, and new inaccuracies have appeared without correction of prior ones.XXXX XXXX is still reporting a credit limit on a charge-off account, which is inaccurate and misleading. TransUnion previously removed a XXXX tradeline for this exact same issue reporting a credit limit on a charge account. It is unreasonable and negligent that TransUnion fails to apply the same correction to XXXX XXXX XXXX is reporting a past due amount that increases every month, despite the account being closed. The current past due is listed as {$6200.00}, while the total balance is {$10000.00}. This discrepancy is illogical and suggests an intentional disregard for accurate reporting. A closed account should not show a growing balance or an inconsistent past due XXXX XXXX is still reporting a charge-off every month, giving the false appearance that the account is newly delinquent each month. In addition, they have reported a false closure date of XX/XX/XXXX, when the account was actually charged off three years ago. This is a textbook example of re-aging, a deceptive and illegal practice meant to extend the time derogatory information stays on my report. 
In addition to failing to correct these inaccuracies, TransUnion has violated 15 U.S.C. 1681i ( a ) ( 6 ) by refusing to send me the results of its investigations within five business days of completion. Instead, after I filed a complaint through the CFPB about this, TransUnion responded by demanding proof of address after the investigation was completed which is a deceptive practice. If there were identity verification issues, they were obligated to resolve that before beginning the investigation, not after. 
Further, the address TransUnion has on file is the same one used in my disputes, and my notarized disputes should serve as proof of my identity and address. Denying me access to my own investigation results is an additional violation of my consumer rights under federal law.TransUnion has demonstrated a pattern of negligence, noncompliance, and willful disregard for federal obligations. They have repeatedly failed to provide complete and accurate investigation results, failed to maintain maximum accuracy on my consumer report, and have allowed furnishers to manipulate and misreport critical information.This is my final warning and request for TransUnion to either Correct the reported inaccuracies, orDelete the affected tradelines entirely from my consumer report. 
I request the CFPB to investigate TransUnions repeated violations of the FCRA and to take immediate action to protect my rights as a consumer.

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