Consumer complaint received 2026-04-30 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: NV

Complaint narrative:
FTC REPORT NO : XXXX RE : Fair Credit Reporting Act Request under 611 ( a ) ( 7 ) METHODS OF VERIFICATION To Whom It May Concern : Time is of the essence with regard to this METHODS OF VERIFICATION. You have made an error in my credit reporting that is harming my ability to secure employment and credit. I have documented your errors, and I will continue to do so. I will avail myself of my rights under the Fair Credit Reporting Act if you continue to violate my rights. This letter is a request under the Fair Credit Reporting Act 611 ( a ) ( 7 ) following a request for investigation that I made under the section just previous in the FCRA, specifically 611 ( a ) ( 6 ). I have received the results of my 611 ( a ) ( 6 ) request, thank you for that. Please do not interpret this letter as a request for further investigation under 611 ( a ) ( 6 ). As you well know, the FCRA governs your handling of my personal information. And, my request today is my statutorily-granted right to learn the method and description of the investigation procedure you utilized. Section 611 ( a ) ( 7 ) states : ( 7 ) Description of investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. The specific entry for which I request a description of investigation procedure is the following entry : PLEASE DELETE THE INACCURATE NAMES BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reported as an open mortgage with a balance of {$470000.00} and a 30day late in XX/XX/XXXX, yet there is no verifiable documentation to support such derogatory reporting. Under FCRA 1681e ( b ), TRANSUNION must ensure maximum possible accuracy, and reporting unverifiable data is a direct violation. Nevada Revised Statutes ( NRS ) 598.0923 also prohibits deceptive practices that harm a consumers financial standing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1000.00} The reporting of a 30day late payment in XX/XX/XXXX is inaccurate and remains unsubstantiated by any proper verification. Under FCRA XXXX, TRANSUNION is required to perform a reasonable reinvestigation and delete unverifiable accounts. Nevada law ( NRS 598.0915 ) prohibits the furnishing of false or misleading credit information, which this inaccurate reporting represents. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed with multiple 30/60/90day late payments across XXXX and XXXX, yet no valid documentation has been presented to confirm these derogatories. Such repetitive and unverified derogatory reporting violates FCRA 1681e ( b ), which requires reasonable procedures to ensure accuracy. Nevada law under NRS 41.600 provides protection from deceptive trade practices, and reporting unsubstantiated delinquencies falls within that scope. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} This closed account is reported as charged off with a {$3500.00} balance, but TRANSUNION has failed to provide any verification that the chargeoff is valid. Under FCRA 1681s-2 ( a ), furnishers must not supply information they know or should know is inaccurate, and TRANSUNION violates 1681e ( b ) by continuing to report unsupported information. Nevada statutes prohibit deceptive reporting that falsely implies ongoing liability. XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} The reporting of multiple 30day late payments in XXXX and XXXX on this closed auto loan is inaccurate and harmful to my credit profile. Such derogatory notations without verification fail to meet the accuracy requirements of FCRA 1681e ( b ). Nevada law ( NRS 598.0923 ) classifies knowingly furnishing false derogatory credit information as a deceptive trade practice. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance {$520.00} This closed credit card account is reported as charged off with a balance of {$520.00}, but the chargeoff remains unsubstantiated. Under FCRA 1681i, TRANSUNION is obligated to remove unverifiable information after reinvestigation, and failure to do so is unlawful. Nevada law prohibits creditors and reporting agencies from deceptive practices that misstate the true nature of an accounts closure. XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE {$0.00} This closed installment account is reported with a {$0.00} balance yet reflects a 30day late in XX/XX/XXXX, which is inaccurate and unsupported. Reporting derogatories on an account with no balance or active liability violates FCRA 1681e ( b ) s accuracy requirement. Nevada law ( NRS 598.0915 ) considers it deceptive to misrepresent the payment history of an account in a way that harms the consumers credit profile. XXXX XXXX XXXX Date opened XX/XX/XXXX BALANCE {$530.00} This closed credit card account is being reported as lates with a balance of {$530.00} which does not match with the rest of the bureaus, yet no substantiation has been provided to support this derogatory status. Under FCRA 1681i, TRANSUNION is obligated to remove unverifiable or inaccurate reporting when disputed. Nevada law prohibits creditors and reporting agencies from engaging in deceptive practices that misstate the true status of an account.

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