Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am submitting this complaint to dispute the continued reporting of multiple inaccurate, inconsistent, and legally noncompliant accounts appearing on my consumer credit reports. These accounts remain reported despite prior disputes and despite the Fair Credit Reporting Act ( FCRA ) requirement that all information be reported with maximum possible accuracy. 

The accounts identified above are being furnished and reported with materially conflicting information across consumer reporting agencies, rendering them inaccurate, misleading, and unverifiable under federal law. 

XXXX Account XXXX XXXXXXXX This collection account is reported with contradictory data that can not coexist as accurate. The account status is reported inconsistently across bureaus, the dates opened and dates of last activity materially conflict, and the balance is reported without any supporting payment history or transactional ledger. 

The original creditor is not properly identified, and no documentation has been produced establishing ownership, chain of title, or authorization to report this alleged debt. At least XXXX nationwide consumer reporting agency does not report this account at all, further demonstrating that the data is incomplete and unreliable. Continued reporting of this account violates FCRA 1681e ( b ), 1681i, and 1681s-2. 

XXXX  XXXX Account XXXX XXXXXXXX This account is reported with materially inconsistent information across consumer reporting agencies, including conflicting account classifications, inconsistent dates opened, contradictory payment status fields, and inconsistent bankruptcy remarks. 

These inconsistencies materially affect the accuracy and legal character of the tradeline. The account has been updated and re-reported after disputes and regulatory notice without correcting the underlying inaccuracies. Repeated automated verification without documentary support does not satisfy the reinvestigation requirements of the FCRA. 

Continued reporting under these circumstances constitutes negligent and willful noncompliance with FCRA 1681i and 1681s-2 ( b ). 

XXXX XXXX Account XXXX XXXXXXXX This collection account is reported with conflicting account status, inconsistent dates opened, conflicting dates of last activity, and a substantial balance reported without any documented payment history or contractual support. 

The original creditor is not clearly identified, and no documentation has been provided establishing the validity of the debt, ownership rights, or authority to furnish the account. At least XXXX bureau does not report this account, confirming that the information is incomplete and inconsistently furnished. This reporting violates FCRA 1681e ( b ) and 1681s-2. 

Additional Context My personal information has been impacted by confirmed data breaches, including the Equifax data breach and the XXXX XXXX XXXX XXXX. My credit file contains active fraud and identity-related alerts. The presence of multiple accounts reported with conflicting identifiers, dates, and legal characterizations supports potential identity theft or mixed-file contamination. 

I am not requesting verification. I am disputing the accuracy, legality, and permissibility of these tradelines as currently reported.

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