Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX XXXX I receivedfor the first timea copy of an Adverse Action Letter from XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX The letter was not mailed, emailed, or otherwise made available to me within the timeframe required under FCRA 615 ( a ). It was only after speaking with XXXX, a Corporate Consumer Relations Role Specialist for Synchrony, that the letter was finally transmitted to me via their secure in-app messaging system. This delay constitutes a separate violation of the FCRA, and I have already initiated a CFPB complaint against Synchrony for failure to provide timely and proper adverse action notice. 

Upon reviewing the letter, I learned that the basis for the credit limit reduction was a scoring system driven entirely by data reported by TransUnion. The letter cited the following reasons : Lack of real estate secured loan information Balances on accounts too high compared to credit limits and loan amounts Delinquent or derogatory status on accounts is too recent Not enough balance paid down over time on installment accounts Each of these statements is demonstrably inaccurate, misleading, or improperly applied : 1. There are no recent delinquent or derogatory accounts on my file. Any such classification by TransUnion is erroneous, and I have supporting account statements and histories that confirm current and satisfactory payment status. 
2. My balances have been significantly reduced, and any reported high utilization reflects outdated or unrefreshed data that does not reflect recent paydowns. If TransUnion failed to ensure data accuracy under FCRA 607 ( b ), this constitutes a breach of their duty to maintain maximum possible accuracy.

3. Installment accounts are current and consistently paid. No objective data supports the claim that insufficient balance has been paid down.

4. The absence of a real estate secured loan is a non-derogatory omission. Penalizing the lack of a mortgage is not a permissible adverse factor under any statutory framework and may violate the spirit of Equal Credit Opportunity Act ( ECOA ) Reg. B, particularly if it results in disparate treatment based on financial profile. 

Most notably, the credit score used in this decision was dated XXXX XXXX XXXXmore than 30 days prior to the date of adverse action. XXXX own letter admits that the score may not be recent, and the continued reliance on this outdated score constitutes a serious failure to meet the FCRAs accuracy and relevancy standards. 

TransUnions reporting of inaccurate, outdated, or misleading information has directly and materially harmed my credit standing and financial position. I have initiated a dispute through TransUnion and now submit this CFPB complaint to ensure enforcement of my rights under FCRA 607 ( b ), 611 ( a ), and 615 ( a ). I am requesting a full reinvestigation, immediate correction of any inaccurate tradelines or status classifications, and that TransUnion issue appropriate notifications to any creditorincluding Synchrony Bankthat relied on such data in taking adverse action.

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