Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint and Request for Immediate Intervention Violations of FCRA and FDCPA Dear CFPB Representative, I am submitting this formal complaint and request for urgent investigation and enforcement action regarding multiple ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) that have significantly harmed me as a consumer. 

Unlawful and Inaccurate Reporting Discover Account Double Jeopardy Violation XXXX is reporting monthly late payments on a charged-off account. This is a clear violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which mandates furnishers not report inaccurate or misleading information. Once an account is charged off, it can not simultaneously accrue new delinquenciesdoing so constitutes a form of double jeopardy, which is misleading, punitive, and deceptive. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX continues XXXX report XXXX inaccurate and unverifiable payment history. No credible evidence has been provided to support these derogatory entries. This violates FCRA 1681i ( a ), which requires a reinvestigation if a consumer disputes the completeness or accuracy of any item of information. This account is current in good standing, however, continues to report 30 days past due. 

XXXX XXXX Accounts ( 3 Total ) Factual Inaccuracy All three XXXX  XXXX accounts are currently paid on time and in good standing. Yet, they continue to report as late with incorrect balances, in violation of FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. 


Identity Theft and Data Breach I am a victim of identity theft, a direct result of a data breach at one or more of the major credit bureaus. I have attached the police report to substantiate this claim. Numerous inquiries were made on my credit file without my consent, violating FCRA 1681b ( c ) and FDCPA 805 ( b ), which prohibit unauthorized use and access to a consumers credit report. 

Inaccurate and Outdated Personal Information TransUnion is reporting 17 outdated addresses, 3 incorrect names, 4 inaccurate employers, and 1 incorrect phone number. This violates FCRA 1681e ( b ), as this outdated information contributes to a misleading and damaging consumer file. There should be one name, one current address, one phone number, and one verified employer reflected in my report. 


TransUnion XXXX XXXX, Score Suppression, and Negligence I have encountered ongoing issues with TransUnion, including : Repeated account suspended errors while trying to access my report online. 

Being prompted to pay for my credit score, only to receive no score after payment. 

Dispute results that are inaccessible or return an error message when accessed via the secure link provided. 

Failure to update my credit report and score despite notable positive changes to my account activity. 

These behaviors suggest a systemic failure to comply with the dispute and consumer access provisions of FCRA 1681g and 1681i, which ensure transparency and accountability. 


Harm Caused These violations have harmed my livelihood and well-being. I have been denied employment, housing, and credit opportunities due to erroneous credit data. This is not only negligent but borders on credit reporting discrimination, which has caused me undue emotional and financial distress.

Company response to consumer: Closed with non-monetary relief