Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
inaccurate and incomplete accounts that TransUnion has reported as verified and accurate. These tradelines remain inaccurate, incomplete, or unverifiable, which violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Incomplete ) Problem : Incomplete account number; reported XXXX late for XX/XX/XXXX. 
Violation : 15 U.S.C. 1666b ( late can not be reported without XXXX notice ) ; 1681s-2 ( a ) ( furnisher duty to report accurately ) ; 1681i ( a ) ( 5 ) ( XXXX duty to delete unverifiable info ). 
XXXX Requested : Correct or delete late entry.. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ( Incomplete ) Problem : Reported XXXX days late for XX/XX/XXXX though payment was not over XXXX days delinquent. 
Violation : 1666b, 1681s-2 ( a ), 1681i ( a ) ( 5 ). 
Action Requested : Delete XX/XX/XXXX late entry. 

XXXX. XXXXXXXX XXXX XXXX Acct. XXXX XXXXXXXX ( Incomplete ) Problem : Reported XXXX lates for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; balance reporting inconsistent. 
Violation : 1666b, 1681s-2 ( a ), 1681i ( a ) ( 5 ). 
Action Requested : Remove inaccurate late entries and correct balance. 

XXXX. U.S. Dept. of Education / AIDV Multiple Accounts Acct. No. XXXX ( Closed ) : Reported XXXX late XX/XX/XXXX ; XXXX late XXXX XXXX. 
Acct. No. XXXX ( Closed ) : Reported XXXX late XX/XX/XXXX ; XXXX late XXXX XXXX. 
Acct. No. XXXX ( Closed ) : Reported XXXX late XX/XX/XXXX ; XXXX late XXXX XXXX. 
Acct. No. XXXX ( Closed ) : Reported XXXX lates Dec 2018Apr 2019. 
Problem : These closed accounts are reported with excessive derogatories and contain incomplete or unverifiable histories. 
Violation : 1681s-2 ( a ), 1681i ( a ) ( 5 ). 
Action Requested : Delete or correct reporting to ensure maximum accuracy. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Incomplete ) Problem : No payment history ; incomplete account number ; unverifiable tradeline. 
Violation : 1681s-2 ( a ), 1681i ( a ) ( 5 ). 
Action Requested : Delete if full history can not be verified. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Listed as a collection with no payment history ; tradeline is unverifiable. Also appears to have been reinserted after removal. 
Violation : 1681s-2 ( a ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 5 ) ( B ) ( reinsertions require notice ). 
Action Requested : Delete tradeline or provide full supporting verification ; if reinserted, provide written notice as required by law.

Legal Basis for Second Dispute 15 U.S.C. 1666b ( TILA ) : Payments can not be treated as late without XXXX notice. 
15 U.S.C. 1681s-2 ( a ) ( FCRA ) : Furnishers must report accurately.

15 U.S.C. 1681i ( a ) ( 5 ) ( FCRA ) : CRAs must delete inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If deleted information is reinserted, the CRA must provide the consumer written notice within 5 business days.

TransUnions previous verification failed to address these issues and constitutes an unreasonable reinvestigation in violation of 1681i.

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