Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
Complaint Against : TransUnion Furnisher : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date : XX/XX/XXXX Dear CFPB, I am filing this complaint due to continued inaccurate and unverifiable reporting by TransUnion regarding a collection account from XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ). I previously disputed this account, yet the reporting remains incomplete, inconsistent, and misleading. 

Discrepancies and FCRA Violations XXXX. Re-aged Date Last Active TransUnion reports XX/XX/XXXX as the Date Last Active, which is misleading and inaccurate. 
There is no verified consumer activity, payment, or contact with the furnisher to support this date. 
This practice may reflect illegal re-aging, which improperly extends the derogatory status of the account.

FCRA 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information with knowledge of inaccuracy.

2. No Documented Validation TransUnion has not provided any documentation or validation from XXXXXXXX XXXX XXXX to prove the debt belongs to me, or that the balance and dates reported are accurate. 
Continued reporting without furnishing validation is unlawful. 

FCRA 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies must delete or correct unverifiable items after reinvestigation.

FCRA 623 ( a ) ( 2 ) : Duty to update and correct errors.

3. Inconsistent and Unverifiable Status The account reports a balance of {$630.00}, marked as Collection/Chargeoff, with no past due breakdown, original charge-off date, or payment history. 
This lack of detail further violates the duty to report information that is complete and not misleading. 

FCRA 605 ( a ) : Incomplete or misleading reporting beyond 7 years or without legal basis is prohibited. 

Regulatory Precedent I also cite the XXXX CFPB enforcement action against Equifax, where the XXXX imposed a {$15.00} XXXX civil penalty for failing to conduct proper investigations and for continuing to report inaccurate and unverifiable information. XXXX conduct in this matter mirrors those same violations and must be reviewed with the same level of seriousness. 

If TransUnion is allowing furnishers to update or maintain unverifiable or inaccurate data after multiple disputes, it constitutes willful noncompliance with the Fair Credit Reporting Act. 

Requested Resolution : 1. Immediate deletion of the XXXXXXXX XXXX account from my TransUnion credit report. 
XXXX. If retained, TransUnion must provide verifiable documentation from the original creditor ( XXXX XXXXXXXX XXXX ) including : The signed contract Full account history The origin of the reported balance and dates. 
XXXX. Correction or removal of any misleading data such as Date Last Active if no consumer activity has occurred. 

Thank you for your attention and resolution of this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TN XXXX

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