Consumer complaint received 2025-06-27 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: VA

Complaint narrative:
I am filing this formal complaint against TransUnion for continued reporting of inaccurate, outdated, and unverifiable information on my credit report, despite my previous disputes. These entries are causing severe damage to my credit profile and are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681. Below is a breakdown of the accounts and inquiries that are inaccurate and must be deleted or corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$480.00} Status : Charge Off This account has been inaccurately reported as a charge-off. The balance is inaccurate and XXXX XXXX has failed to validate the debt upon request. This reporting is misleading and violates FCRA 1681i for failure to reinvestigate disputed information and 1681e ( b ) for failing to maintain maximum possible accuracy. The continued presence of this negative item after my dispute is unjust and unfairly damaging. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$540.00} Status : Charge Off This account is being reported inaccurately. The account details such as the balance and status were not verified or validated. The furnishing of outdated or unverifiable information violates FCRA 1681i and 1681e ( b ). I requested validation from both the furnisher and TransUnion, yet no proof of the debt was provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$4200.00} Status : Late Payment This account is being reported with late payments even though I submitted documentation proving timely payments and evidence of misreporting. TransUnion has failed to conduct a reasonable reinvestigation as required by FCRA 1681i ( a ). Additionally, this violates FCRA 1681s-2 ( b ), which mandates furnishers to correct or delete inaccurate data after notification of dispute. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3800.00} Status : Late Payment The reported delinquencies on this account are inaccurate and were never properly verified. XXXX XXXX failed to validate the payment history, and TransUnion continued to report the negative information despite my formal dispute. This constitutes a violation of FCRA 1681i and 1681e ( b ), as well as negligence in reporting under FCRA 1681s-2. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$860.00} Status : Collection This is a collection account that I do not recognize, and I have never received any notice of collection from the original creditor. No validation was provided under FDCPA 809 ( a ) [ 15 U.S.C. 1692g ( a ) ]. Reporting this as valid without furnishing documentation violates both FCRA 1681i and FDCPA requirements. 
XXXX XXXX Date : XX/XX/XXXX This hard inquiry was performed without my authorization. I did not initiate any credit application with XXXX. This inquiry is an unauthorized access to my credit file and violates FCRA 604 [ 15 U.S.C. 1681b ]. 
XXXX XXXX Date : XX/XX/XXXX This inquiry is also unauthorized. I never gave permission or applied for credit with XXXX. TransUnion has failed to ensure proper procedures to prevent unauthorized access, violating FCRA 604 and 1681e ( a ). 
XXXX XXXX Date : XX/XX/XXXX This inquiry was done without permissible purpose. I did not consent to any credit pull from XXXX XXXX. Under FCRA XXXX ( a ), consumer consent is mandatory, and this inquiry was conducted illegally. 
XXXX XXXX XXXXnquiry Date : XX/XX/XXXX I never applied for any product or service from Flagship Credit, yet TransUnion allowed access to my personal credit file. This is a breach of FCRA 604 ( a ) ( 2 ) and 1681b. 
XXXX XXXX Date : XX/XX/XXXX XXXX performed a credit inquiry without any authorized interaction or consent from me. This inquiry is a clear FCRA violation for unauthorized access and misuse of personal data. 
XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry is completely unauthorized and was performed without my knowledge. TransUnion is responsible for allowing this violation of FCRA 604 and for failing to safeguard my credit file. 
I am requesting immediate investigation, deletion of all unverifiable and inaccurate information listed above, and confirmation in writing from TransUnion. If no action is taken, I will pursue further legal remedies as provided under FCRA 616 and 617. This continued negligence is unacceptable, and TransUnion must be held accountable for non-compliance with federal consumer protection laws.

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