Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint against TransUnion for repeatedly failing to remove or correct fraudulent and inaccurate information from my credit report, despite numerous disputes, documented evidence, and clear proof of identity theft. 

The issue concerns an XXXX XXXXXXXX XXXX account ( ending in XXXX ) that was opened without my authorization and continues to appear on my credit file. TransUnions actions and inactions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611, and 623, which require credit reporting agencies to ensure the maximum possible accuracy of consumer data and to delete unverifiable information after reasonable reinvestigation. 

Each dispute included : Police reports and FTC Identity Theft Affidavits confirming that I am a victim of identity theft ; Detailed written disputes outlining inaccuracies and inconsistencies in the reported data ; and Requests for proper verification of the XXXX XXXX account, including proof of disbursement of funds. 

Despite this, TransUnion continues to report this fraudulent account, damaging my credit score and financial standing. 

Specific Inaccuracies and Violations in Reporting In my most recent dispute ( XX/XX/XXXX ), I identified several clear FCRA violations : Conflicting Account Statuses The account is simultaneously reported as Charged Off and Transferred to Recovery. Both can not be true. 

Improper Re-Aging TransUnion continues to report Charge Off ( L ) every month after the original delinquency, extending the derogatory reporting period unlawfully. 

Incomplete and Unverifiable Data Several months show No Data Available, preventing verification of payment history or delinquency. 

Balance and High Credit Discrepancies The account reports a High Credit of {$150000.00}, while the original loan was {$130000.00}. No supporting documentation exists. 

Payment Inaccuracies For instance, XX/XX/XXXX shows a scheduled payment of {$1000.00} and an actual payment of {$2200.00}, without substantiation. 

Ongoing Dispute Flag Errors TransUnion continues to list the account as verified as reported even though my disputes remain unresolved and unsupported by documentation. 

I specifically requested that TransUnion obtain proof of disbursement of funds showing that loan proceeds were deposited into my account ( s ). Neither TransUnion nor the furnisher ( XXXXXXXX XXXX XXXX XXXX  ) has provided such documentation. 

FCRA Violations and Legal Basis TransUnions conduct violates several key FCRA provisions : FCRA 611 ( a ) Failure to Conduct a Reasonable Reinvestigation TransUnion has not conducted a reasonable reinvestigation as required by law. Simply accepting the furnishers unverifiable verified response is insufficient when I have provided evidence of inaccuracy. Without proof of disbursement or an authorized loan agreement, TransUnions continued reporting of the account violates 611 ( a ).

FCRA 607 ( b ) Failure to Ensure Maximum Possible Accuracy TransUnions reporting of contradictory, incomplete, and unverifiable information fails to meet the statutory requirement to ensure maximum possible accuracy in consumer credit files.

FCRA 611 ( a ) ( 7 ) Failure to Provide Method of Verification ( MOV ) I have formally requested the Method of Verification in writing, yet TransUnion has not provided the required details, including the name, address, and phone number of the furnisher or individual who verified the disputed account.

FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Violation ( XXXXXXXX XXXX XXXX XXXX XXXX The furnisher continues to report data without verifying that the account belongs to me or that loan funds were disbursed to my account, violating 623 ( a ) ( 1 ) ( A ).

Relevant Case Law Federal courts have consistently held that CRAs and furnishers must perform meaningful, independent investigations when consumers provide evidence of inaccuracies : XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs can not rely solely on a furnishers automated verification. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Failure to conduct a substantive reinvestigation violates XXXX ( a ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Furnishers must reasonably investigate disputed data before confirming its accuracy.

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