Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because TransUnion and Experian are reporting multiple accounts that have already been removed by XXXX due to accuracy and verification issues. When XXXX credit bureau deletes an account for being inaccurate or unverifiable, the remaining bureaus must conduct a deeper investigation to ensure the data they are reporting is correct. This did not happen. 

The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  accounts XXXX XXXX XXXX account XXXX  deleted all of these accounts between XXXX XXXX XXXX because the furnisher could not verify or correct the information. However, TransUnion and Experian continue to report these accounts with contradictory, incomplete, or inaccurate information, which violates FCRA 607 ( b ).

1. Cross-bureau inconsistency = FCRA Accuracy Violation ( FCRA 607 ( b ) ) TransUnion and Experian are reporting information that can not be verified consistently across credit bureaus. 
XXXX removed these accounts entirely because the information could not be verified. 
This means the data held by the other bureaus is not reliable and does not meet the standard of maximum accuracy. 

2. Furnishers have provided inconsistent data If the furnisher failed to verify the account to XXXX they can not legally verify it to TransUnion/Experian.

This creates a procedural violation by the bureau and the furnisher.


3. Incomplete and inaccurate reporting In addition to inconsistency, the accounts are reporting : Incorrect account statuses Incorrect or missing payment history False bankruptcy remarks Incorrect balances Contradictory account information This constitutes inaccurate reporting under FCRA 607 ( b ).

4. Failure to conduct a reasonable investigation ( FCRA 611 ) I have disputed these accounts previously, and the bureaus returned generic verified results without : Documenting the method of verification Identifying the person or source who verified the account Providing investigation notes Providing the documents used for verification This violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Requested Action : I am requesting that the CFPB require TransUnion and Experian to : 1. Produce full verification documentation, including : Contract/application Identity verification data Complete payment history Actual investigation method Documents used in reinvestigation Name/contact of furnisher agent who verified OR 2. Delete the accounts from my TransUnion and Experian credit files if the required documentation can not be produced, as XXXX  has already done. 

I am not requesting anything outside my rights under the Fair Credit Reporting Act. I only want the information to be accurate, consistent, and verifiable across all bureaus.

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