Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, due to inaccurate, incomplete, and unverifiable information being reported on my consumer credit file. I have disputed several accounts and inquiries directly with TransUnion, yet no reasonable investigation has been conducted and these inaccurate items continue to appear, causing significant harm to my credit profile, livelihood, and financial well-being. I am formally requesting the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into the negligent and unlawful reporting practices by TransUnion. Below is a detailed account of the erroneous entries being reported, along with corresponding violations and facts XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$9100.00} Status : Charge Off Issue : This account is reporting as a charge-off despite being disputed with the furnisher and TransUnion. No documentation has been provided to validate this debt or verify the accuracy of the balance and charge-off status. 
Violation : FCRA 1681i ( a ) ( 1 ) ( A ) failure to conduct reasonable reinvestigation ; 1681e ( b ) failure to maintain maximum possible accuracy XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$600.00} Status : Late Payments Issue : Late payments are being reported inaccurately. I have submitted documentation showing timely payments for the disputed months but TransUnion failed to update or verify the tradeline accurately. 
Violation : FCRA 1681s-2 ( b ) ; 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Status : Late Payments Issue : I never received notice of late payments nor validation of debt from the furnisher. This appears to be inaccurate and unverifiable data harming my report. 
Violation : FCRA 1681b and 1681i ( a ) XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$600.00} Status : Charge Off Issue : I have never received a validation of debt notice under 15 U.S.C. 1692g and this account was listed as charged-off without proper verification or dispute investigation. 
Violation : FCRA 1681e ( b ), 1681i ; FDCPA 809 ( a ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$490.00} Status : Collection Issue : This debt was disputed for being obsolete and unverified. No proof has been provided that I owe this debt. 
Violation : FCRA 1681i and 1681e ( b ) XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} Status : Collection Issue : This account continues to be reported in collections despite dispute. No contract or signature has been provided. This may be re-aged or unverifiable. 
Violation : FCRA 1681i ( a ) ; FDCPA 809 ( b ) XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) # XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$800.00} Status : Collection Issue : I have no knowledge of this debt. It is being reported without providing any documentation or original agreement. 
Violation : FCRA 1681b ; 1681i ; 1681e ( b ) XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$580.00} Status : Collection Issue : This debt was paid in full before charge-off and is being reported inaccurately as an active collection. 
Violation : FCRA 1681e ( b ) ; 1681s-2 ( a ) XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$1100.00} Status : Collection Issue : Re-aged collection. No proper reinvestigation was completed by TransUnion despite being disputed. 
Violation : FCRA 1681i ; 1681c ( a ) ( 4 ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} Status : Collection Issue : No notice was provided under 15 U.S.C. 1692g and no verification was offered. 
Violation : FCRA 1681b ; 1681e ( b ) ; FDCPA 809 ( a ) XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Collection Issue : No response from TransUnion to my repeated disputes. This debt may be time-barred and unverifiable. 
Violation : FCRA 1681i ( a ) ( 1 ) ; 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Status : Charge Off Issue : The date of first delinquency is not properly reported and the account may be past the 7-year limit. 
Violation : FCRA 1681c ( a ) ( 4 ) ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$700.00} Status : Charge Off Issue : Account was disputed but no documentation proving liability has been provided. 
Violation : FCRA 1681e ( b ) ; 1681i ( a ) XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$330.00} Status : Charge Off Issue : Inaccurate balance and status. Account is being reported as charge-off after it was closed in good standing. 
Violation : FCRA 1681e ( b ) ; 1681i ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} Status : Charge Off Issue : I have no knowledge of this account and never received written validation or authorization. 
Violation : FCRA 1681e ( b ) ; 1681b ; FDCPA 809 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Status : Charge Off Issue : Payment was made but account still marked as charged-off. TransUnion failed to reinvestigate. 
Violation : FCRA 1681s-2 ( b ) ; 1681e ( b ) Hard Inquiries Listed Below Were Not Authorized By Me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize any of the above inquiries and have not applied for credit with these companies. These are clear violations of permissible purpose under FCRA 1681b This continuous pattern of negligence by TransUnion to accurately and lawfully report, investigate, and correct my consumer file is a blatant violation of my rights under federal law. The presence of charge-offs, collections, inaccurate inquiries, and late payments that are either unverifiable, re-aged, or never authorized by me constitutes irreparable harm. I am requesting that the CFPB investigate TransUnion and hold them accountable for willful and negligent non-compliance with the FCRA and FDCPA. I also request full deletion of any item that can not be 100 % verified with legally sufficient documentation. I am attaching a detailed summary and will cooperate with further investigation as needed. Thank you for your attention to this serious matter.

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