Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN Last XXXX : XXXX Subject : TransUnion Widespread FCRA Violations, XXXX XXXX XXXX, and Failure to Maintain Maximum Accuracy ========================================================== SUMMARY OF COMPLAINT ========================================================== My TransUnion credit report contains numerous inaccuracies, contradictions, duplications, missing data fields, and unverifiable information, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code XXXX. 

TransUnion has failed to maintain maximum possible accuracy, as required by : 15 USC 1681e ( b ) 15 USC 1681i ( a ) ( 1 ) 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 15 USC 1681c 15 USC 1681a ( d ) ( 2 ) These inaccuracies are harming my creditworthiness, increasing my insurance premiums, causing loan denials, and financially damaging me. 

I am requesting the CFPB to compel TransUnion to perform a full, manual investigation and correct or delete every unverifiable item. 



========================================================== DETAILED INACCURACIES LISTED WITH EXACT XXXX XXXX VIOLATIONS ========================================================== Below is a comprehensive list of all inaccurate items in my TransUnion file, along with the specific legal sections violated. 





XXXX. PERSONAL INFORMATION ERRORS A. Outdated Previous Address ( XXXX GA XXXX ) Violations : 15 USC 1681e ( b ) ( failure to maintain accurate identifying info ) 15 USC 1681i ( a ) ( failure to investigate inaccurate personal info ) B. Current address reported as only XXXX XXXX  XXXX ( XXXX XXXX address ) Violations : XXXX XXXX XXXX ( b ) XXXX Employer listed as XXXX XXXX XXXX XXXX ( incomplete ) Violations : 15 USC 1681e ( b ) 2. MORTGAGE ACCOUNT ( XXXX XXXX  # XXXX * * * * ) * * Inaccuracies : Delinquency timeline impossible ( lates reduce without payment ) Loan term listed as 468 months ( 39 years ) impossible mortgage term Past-due amount missing despite recorded delinquency Loan Modified reported with no details Monthly payment information inconsistent with credit limit field Violated FCRA Sections : 15 USC 1681e ( b ) inaccurate reporting 15 USC 1681i ( a ) failure to reinvestigate 15 USC 1681s-2 ( a ) ( 1 ) ( A ) illegal inaccurate reporting by furnisher 15 USC 1681a ( d ) ( 2 ) missing required account data fields XXXX CREDIT CARD ACCOUNT ( XXXX XXXX # XXXX * * * * ) * * Inaccuracies : Account shows Charged Off with no late payments recorded Purchased by another lender with no purchaser listed {$0.00} balance but {$1500.00} original balance with no charge-off details Missing past-due fields Violated FCRA Sections : 15 USC 1681e ( b ) 15 USC 1681s-2 ( a ) 15 USC 1681i ( a ) 4. DEPT OF EDUCATION / XXXX STUDENT LOANS ( XXXX ACCOUNTS ) These accounts contain systemic errors, including : Inaccuracies : Duplicated tradelines with identical account numbers but different balances Never Late combined with payment activity ( contradictory ) Last payment XX/XX/XXXX across every loan despite deferment Missing payment histories for several loans Unexplained balance increases Missing loan type/servicer details Incorrect responsibility listed as Signer Violated FCRA Sections : XXXX USC 1681e ( b ) 15 USC 1681i ( a ) ( 1 ) ( A ) 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 15 USC 1681c 15 USC 1681a ( d ) ( 2 ) This entire group of student loans must be corrected or have duplicates deleted. 





XXXX. XXXX XXXX ACCOUNTS ( XXXX ACCOUNTS ) Inaccuracies : Transferred accounts still showing active payment history Missing multiple years of payment history Inconsistencies between original lender and transferee Closed accounts showing new activity Violated FCRA Sections : 15 USC 1681e ( b ) 15 USC 1681s-2 ( a ) 15 USC 1681i ( a ) XXXX. XXXX XXXX ACCOUNTS ( XXXX ACCOUNTS ) Inaccuracies : Closed accounts showing late payments after closure Missing or incomplete payment history Conflicting delinquency notation Violated FCRA Sections : 15 USC 1681e ( b ) 15 USC 1681i ( a ) 15 USC 1681s-2 ( a ) XXXX. XXXX TRANSFERRED LOANS Inaccuracies : Transferred loans show OK status transferred loans should NOT carry active statuses Payment history reported after transfer Duplicate loan numbers Violated FCRA Sections : 15 USC 1681e ( b ) 15 USC 1681c ( improper reporting ) 15 USC 1681i ( a ) 8. COLLECTION ACCOUNTS A. XXXX XXXX XXXX ( {$1800.00} ) Inaccuracies : no charge-off date, missing payment history, disputed balance. 
Violations : 1681e ( b ), 1681s-2 ( a ), 1681i ( a ) XXXX XXXX XXXX ( {$310.00} ) Inaccuracies : timeline incorrect vs. open date, missing original account number. 
Violations : 1681e ( b ), 1681s-2 ( a ), 1681i ( a ) XXXX XXXX XXXX XXXX XXXX {$90.00} ) Inaccuracies : charged-off account listing {$0.00} original balance, missing past-due. 
Violations : 1681e ( b ), 1681s-2 ( a ), 1681c, 1681i ( a ) XXXX. MISSING/ INCOMPLETE REQUIRED DATA ACROSS REPORT Multiple accounts are missing : Credit limits Past-due amounts Charge-off dates Payment histories Original creditor details Loan types Opening dates Violated FCRA Sections : 15 USC 1681e ( b ) 15 USC 1681a ( d ) ( 2 ) 15 USC 1681i ( a )

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