Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Tra

nsUnion has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681e ( b ), and 1681c-2 ( b ). Despite my written disputes and CFPB escalation, TransUnion has : Failed to provide the name, address, and method used to verify disputed items ( as required by 1681i ( a ) ( 6 ) ( B ) ( iii ) ) ; Continued to report inconsistent and materially false tradeline data without resolving factual discrepancies among the three credit bureaus ; Offered only generic boilerplate responses instead of individualized reinvestigation outcomes, violating 1681i ( a ) ( 3 ) ( B ) ; Provided no evidence that a meaningful reinvestigation was conducted ; Refused to fully correct or suppress items that differ significantly from XXXX and XXXX. 

Specific Tradeline Discrepancies XXXX  XXXX Account ending in XXXX / XXXX TransUnion : Does not reflect all historical late payments. 

XXXX XXXX XXXX XXXX Report 30/60/90-day delinquencies from XXXX XXXX. 

Violation : Conflicting data undermines accuracy ; no substantiated MOV provided. 

XXXX XXXX XXXXXXXX Account ending in XXXX TransUnion : Lists account as " Paid, Closed ; was Paid as agreed '' with no clearly marked late history. 

XXXX XXXX XXXX XXXX Reflect historical late payments ( 30/60/90 ) and account marked as " Closed by credit grantor. '' Violation : Material deviation from peer reports ; consumer risk rating impaired. 

XXXX XXXX Account ending in XXXX TransUnion : Closed ; charge-off noted, but lacks purchaser identification. 

XXXX  : Also lists as charged off, but includes " purchased by another lender. '' XXXX  : Tradeline not present. 

Violation : Lack of consistent charge-off handling and missing updates per 1681e ( b ).

XXXX XXXX Account ending in XXXX TransUnion : Marked as " settled, '' but shows conflicting payment history. 

XXXX  : Reports full charge-off with settlement and inconsistent balance. 

XXXX  : Lists as " paid charge-off, '' written off {$4400.00}. 

Violation : Conflicting dates and amounts ; no uniform status per FCRA mandates. 

FCRA Legal Violations Summary 1681e ( b ) : TransUnion is reporting data that is demonstrably inaccurate and incomplete.

1681i ( a ) ( 1 ) ( A ) : TransUnion failed to conduct a reasonable reinvestigation.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide MOV after written request.

1681c-2 ( b ) : Lack of full or partial blocking of disputed items under 605B. 


Legal and Enforcement Notice This is my final notice before pursuing litigation in U.S. District Court for the XXXX XXXX XXXX Georgia ( XXXX Division ). I intend to represent myself pro se, and seek : Punitive damages for continued noncompliance ; Statutory damages under 1681n and 1681o ; Attorney 's fees where applicable ; Formal complaints to the FTC and State AG if unresolved. 

Please escalate this matter with urgency. I am documenting all correspondence and violations in preparation for court. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXXXXXX  SSN ( Last 4 ) : 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 non-monetary relief