Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint Against : TransUnion LLC and XXXX XXXX : Inaccurate, duplicate, and re-aged reporting of the same account -- - Statement of Complaint I am filing this complaint because TransUnion is reporting multiple, conflicting, and inaccurate versions of the same XXXX  account on my credit report. These entries are damaging my creditworthiness and are clear violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Duplicate Reporting : TransUnion is displaying multiple trade lines for the same XXXX account, with different balances ( {$2500.00} and {$880.00} ), different statuses, and multiple dispute resolved customer disagrees remarks. 

This is misleading, incomplete, and a direct violation of FCRA 1681e ( b ) ( failure to assure maximum possible accuracy ). 



XXXX. False Late Payments / Re-Aging : The account was closed and charged off in XX/XX/XXXX. 

Yet, TransUnion has continued to report new late payments as of XX/XX/XXXX and XX/XX/XXXX. 

This is impossible on a closed/charged-off account and constitutes illegal re-aging of debt, a violation of FCRA 1681i ( a ) and 1681s-2 ( a ) ( 1 ) ( A ). 



XXXX. Failure to Correct After Disputes : I have disputed this account multiple times. Instead of correcting or deleting, TransUnion continues to alter and reinsert variations of the same inaccurate account. 

Under FCRA 1681i ( a ) ( 5 ) ( B ), if an item is deleted or can not be verified, it can not be reinserted without proper notice to the consumer. I have never received such notice. 



XXXX. Improper Verification : TransUnion and XXXX have not provided any lawful XXXX XXXX XXXXXXXX as required under FCRA 1681i ( a ) ( 7 ). 

They must provide the original signed contract, full payment history, and proof of the alleged XXXX and XX/XX/XXXX missed payments. 





-- - Requested Resolution I am not requesting a correction. I am demanding permanent deletion of all XXXX accounts and duplicate trade lines from my TransUnion credit file, as they are unverifiable, inaccurate, and re-aged. 

I further demand : Written confirmation from TransUnion that these accounts have been deleted. 

Written confirmation that no reinsertion will occur without full compliance with FCRA 1681i ( a ) ( 5 ) ( B ).

That all supporting documents used for verification be provided to me and filed with this complaint.

-- - Laws Violated FCRA 1681e ( b ) : Duty to assure maximum possible accuracy.

FCRA 1681i ( a ) : Failure to reinvestigate and correct inaccurate information.

FCRA 1681i ( a ) ( 5 ) ( B ) : Illegal reinsertion of deleted information without notice.

FCRA 1681s-2 ( a ) : Prohibition against furnishing false or misleading information. 



-- - This is a formal complaint, and I request resolution within 15 days of receipt.

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