Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I am submitting this formal complaint due to TransUnions continued and willful violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple disputes and the submission of written evidence, documentation, and an affidavit, TransUnion continues to report inaccurate, inconsistent, and unverified information on my credit report. These reporting errors have remained for months without correction, and TransUnion has failed to provide any written reinvestigation results, violating federal law. 

This pattern of negligence and noncompliance shows a reckless disregard for the law and for my consumer rights. 

Accounts in Question ( TransUnion Report ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Chargeoff / Collection Derogatory Remarks : Conflicting payment history and chargeoff status inconsistent with other bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection / Chargeoff Derogatory Remarks : Inaccurate reporting of account balance, opened date, and payment status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection / Chargeoff Derogatory Remarks : Conflicting reporting with XXXX XXXX XXXX  ; listed as open in XXXX bureau and charged off in another. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Chargeoff Derogatory Remarks : Duplicate reporting of same account number, violating FCRA 1681e ( b ) accuracy standards.

Background and History of Disputes : Over several months, I have submitted multiple disputes directly to TransUnion regarding these inaccurate accounts. Each time, I provided proof of identity, account documentation, and inconsistencies between credit bureaus.

Despite this, TransUnion has : Failed to conduct a reasonable reinvestigation within 30 days ( 1681i ( a ) ( 1 ) ) Failed to provide written reinvestigation results ( 1681i ( a ) ( 6 ) ( B ) ) Failed to disclose investigation methods or furnishers ( 1681i ( 7 ) ) Continued reporting inaccurate and conflicting information ( 1681e ( b ) ) Permitted duplicate or unverifiable data to remain ( 1681s-2 ( b ) ) I have acted in good faith, yet TransUnion has not fulfilled its statutory duty to ensure the maximum possible accuracy of my credit report.

Affidavit Submitted : Along with this complaint, I am submitting a sworn Affidavit of Credit Reporting Violations and Failure to Correct Inaccuracies attesting to TransUnions ongoing noncompliance.

I have made repeated attempts to dispute these accounts, yet TransUnion continues to publish contradictory and unverified data, ignoring the obligations under the FCRA. 
This demonstrates willful misconduct, negligence, and a pattern of systemic failure to ensure consumer data integrity. 

Impact on Me as a Consumer : Because of TransUnions failure to properly investigate and correct these errors, I have experienced : Severe emotional distress and anxiety, Denial of credit opportunities, and Damage to my financial reputation. 

It is unacceptable that, even after providing all required documentation and an affidavit, TransUnion continues to disregard its responsibilities under federal law. 
This behavior indicates a complete lack of good faith in handling consumer disputes and a disregard for consumer protection regulations. 

Requested Resolution : I am requesting that the CFPB take immediate enforcement action against TransUnion. Specifically, I request the following : Immediate deletion of the four accounts listed above.

A comprehensive reinvestigation report from TransUnion, including documentation from the original furnishers.

Written confirmation that all inaccurate and unverifiable data has been permanently removed.

Appropriate penalties or sanctions against TransUnion for ongoing FCRA and FDCPA violations. 

Additional Notes : I have attached the following supporting evidence : My Affidavit of Violations, TransUnion credit report excerpts showing these accounts, and Proof of previous dispute submissions. 

If these issues remain unresolved, I intend to pursue legal action under 15 U.S.C. 1681n and 1681o, seeking actual, statutory, and punitive damages, along with attorneys fees.

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