Consumer complaint received 2026-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint because TransUnion failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA 611 ) regarding a XXXX XXXX collection account reported on my credit file. I disputed the accuracy of this account with TransUnion. After completing its investigation, TransUnion marked the dispute as resolved and added a remark stating consumer disagrees, indicating the account was verified as accurate. However, the account continues to reflect multiple inconsistencies and incomplete reporting that raise concerns about whether a reasonable investigation was performed. Specifically : 1. TransUnion is reporting this account as a collection/charge-off account with a current balance of {$330.00} while also reporting an original balance of {$0.00}. A collection account can not logically have a {$0.00} original balance, which indicates inaccurate account structure reporting. 2. The tradeline reflects a recent reporting update dated XX/XX/year> during the dispute investigation process, indicating that the account data changed while the investigation was ongoing. 3. Other credit reporting agencies report different structural account details for this same XXXX XXXX tradeline, including reporting a 1 month term. Despite these inconsistencies across credit bureaus, TransUnion verified the account as accurate. 4. The account includes reporting fields displaying XXXX for payment history information. When I requested clarification regarding this reporting, I was informed the meaning of this field could not be explained. Verification of a tradeline containing undefined data fields raises concerns about whether a reasonable investigation occurred. 5. No payment history is reported for this account across the credit bureaus despite the account being reported as a collection/charge-off account. Reporting a derogatory account without supporting payment history raises concerns about completeness and accuracy under the FCRA. 6. The account is reported with remarks stating it was closed by consumer, which is inconsistent with how collection accounts are typically reported. 7. After I submitted disputes and complaints regarding this account, changes were made to the tradeline reporting, yet the account continued to be verified as accurate. 8. I was informed by XXXX executive relations team that a deletion request had previously been submitted for this tradeline. Despite this, TransUnion later verified the account as accurate. Verification after a furnisher deletion request raises concerns regarding the adequacy of the investigation performed. 9. When I requested the method of verification used to confirm the accuracy of this account, including Metro-2 reporting details, I was informed that a subpoena would be required to obtain that information. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information. Because of these issues, I do not believe TransUnion conducted a reasonable investigation as required under the Fair Credit Reporting Act. I request that TransUnion provide the method of verification used to confirm this account as accurate despite these inconsistencies, or delete the tradeline from my credit report.

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