Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint to report TransUnions failure to correct, delete, or verify multiple inaccurate and incomplete items on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). On or around XX/XX/XXXX, I submitted a formal written dispute to TransUnion, detailing a number of derogatory and unverifiable items, including erroneous personal information, accounts, collections, and a public record. 

Despite this dispute, TransUnion has not provided verifiable proof of accuracy, nor have they removed the disputed data as required under the FCRA, specifically : 15 U.S. Code 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S. Code 1681i ( a ) ( 1 ) Failure to reinvestigate disputed items 15 U.S. Code 1681i ( a ) ( 5 ) Failure to delete unverifiable or inaccurate information 15 U.S. Code 1681i ( a ) ( 6 ) Failure to notify me of results of the reinvestigation 15 U.S. Code 1681b Reporting unauthorized inquiries without permissible purpose PERSONAL INFORMATION ERRORS : | Item Code | Entry Disputed | Violation | | -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | PI-01 | XXXX XXXX XXXX, XXXX, MI | Invalid/undeliverable address 1681e ( b ) | | PI-02 | Employer XXXX XXXX XXXX | No XXXX XXXX 1681e ( b ) | | PI-03 | Name : XXXXXXXX XXXX XXXX XXXX Not full legal name should be XXXX XXXX XXXX | | PI-04 | XXXX : XX/XX/XXXX XXXX Discrepant with verified identity documentation | ACCOUNTS DISPUTED : | Item Code | Furnisher | Account # | Issue | | -- -- -- -- - | -- -- -- -- -- - | -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | XXXX | XXXX XXXX XXXX XXXX | Opening date, payment history unverifiable 1681e ( b ), 1681i ( a ) ( 1 ) | | XXXX | XXXX | XXXX | Account marked as closed but still shows derogatory data | | XXXX XXXX XXXX XXXX XXXX | XXXX | Paid through tax offset; derogatory still showing | | XXXX | XXXX | XXXX | Reporting past due activity despite disputed rehabilitation | | XXXX | XXXX | XXXX | Payment schedule and balance inconsistent, unverifiable | COLLECTIONS : | Item Code | Agency | Account # | Issue | | -- -- -- -- - | -- -- -- -- -- -- | -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | XXXX | XXXX XXXX | XXXX | Inaccurate open date and amount ; no debt validation XXXX | | XXXX | XXXX XXXX | XXXX | No recollection or proof ; incomplete reporting | | XXXX | XXXX XXXX XXXX | Charged-off without proper validation or certification | PUBLIC RECORDS : | Item Code | Type | Reference # | Issue | | -- -- -- -- - | XXXX -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | XXXX | Bankruptcy ( Federal ) | XXXX | Missing jurisdiction and court name ; fails 1681i ( a ) ( 5 ) requirements | Violation Summary Failure to complete reinvestigation within 30 days as required under 15 USC 1681i ( a ) ( 1 ).

Continued reporting of inaccurate and unverifiable data, despite dispute notice. 
Omission of reinvestigation results, violating 1681i ( a ) ( 6 ).

No documentation provided, failing to substantiate claim validity under 1681s-2.

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