Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting a complaint to formally dispute and request the permanent removal of the following two XXXX XXXX accounts currently appearing on my credit reports. These accounts are being reported inaccurately and without proper verification, and their continued presence constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7300.00} * * Both accounts have already been deleted by Equifax, which demonstrates that upon verification, no documentation could support the accuracy or validity of these entries. Therefore, their continued reporting by Experian and TransUnion is not only inconsistent but also unlawful under the standards of federal law requiring maximum possible accuracy. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of all information contained in a consumers credit file. The absence of a verified Form 1099-C ( Cancellation of Debt ) or equivalent documentation showing that the alleged debts were legally charged off, canceled, or sold, demonstrates that these accounts are being maintained and reported without adequate verification.

Furthermore, by continuing to display these XXXX XXXX accounts after they were removed by another major credit bureau, both Experian and TransUnion are violating the FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which prohibits the reporting of information that is known or should be known to be inaccurate. Maintaining these unverifiable entries is also a failure to comply with FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], which requires a prompt and thorough reinvestigation of disputed information.

It is also important to note that the failure to remove these unverified Discover Card accounts violates FCRA 605B [ 15 U.S.C. 1681c-2 ], which requires consumer reporting agencies to block and delete any information that can not be substantiated or verified within the legal investigation period. Because Equifax has already deleted these same accounts, it is clear that the reporting of these tradelines by Experian and TransUnion can not be justified by verified or complete records. 
The inconsistent presence of these XXXX XXXX accounts across different credit reporting agencies has caused measurable harm to my creditworthiness and financial standing. I have not received any documentation proving that the alleged debts are valid, collectible, or legally reportable under federal law. In the absence of such documentation and especially without a properly issued IRS Form 1099-C indicating that the debt was charged off or forgiven there is no lawful basis for either bureau to continue to publish or maintain these accounts.

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