Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
Dear CFPB, I am filing this formal complaint against TransUnion LLC for their continued reporting of inaccurate, unverified, and obsolete information on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 602 ( A ), 604, 607 ( b ), and 611 ( a ).

Despite multiple disputes sent to TransUnion regarding the following accounts, they have either failed to investigate properly or continue to report items that are inaccurate, unverifiable, outdated, or never validated by the original creditor or debt collector : XXXX XXXX XXXX XXXX XXXX XXXX Reporting late payments with no record or notice. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Closed account with {$0.00} balance still showing late payment. 

ATLCAPBKSELF XXXX * * * * Account with {$0.00} balance still reporting as late. 

XXXX XXXX * * * * Paid account inaccurately listed as charge-off. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX No validation of debt provided. 

XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX No contract or validation, continued reporting. 

XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Inaccurate collection without proper validation. 

XXXX XXXX XXXX XXXX XXXX XXXX Account closed and paid but reported as charge-off. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never validated despite repeated disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX No signed agreement or proof of debt presented. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate charge-off status on {$0.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting charge-off with no supporting documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX No billing history or validation provided for charge-off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account over XXXX XXXX XXXX and should be removed as obsolete. 

Additionally, the following unauthorized inquiries were made without my consent, in violation of FCRA XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX have submitted formal XXXX to TransUnion and provided ample time for reinvestigation as per FCRA 611 ( a ). However, the bureau has failed to respond properly, provide documentation, or delete unverifiable items. These actions are causing ongoing harm to my creditworthiness and financial wellbeing.

I respectfully request that the CFPB take immediate action to : Investigate TransUnions failure to comply with FCRA requirements.

Compel TransUnion to remove all the accounts and inquiries listed above.

Require TransUnion to provide documentation proving any items they intend to continue reporting.

Hold TransUnion accountable for failing to ensure accuracy and reinvestigate properly under 607 ( b ) and 611.

Attached are supporting documents, including copies of my disputes and credit report entries. Thank you for your assistance in ensuring my rights under federal law are upheld.

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