Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im filing this complaint against TransUnion LLC for ( 1 ) reporting inaccurate and internally inconsistent information on my file, and ( 2 ) failing to conduct a reasonable reinvestigation and provide the method of verification, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i. On XX/XX/XXXX, I reviewed my TransUnion reports and identified multiple tradelines with conflicting dates/statuses/amounts and problematic coding. My dispute materials and the reports themselves are attached. 

Disputed tradelines ( TransUnion ) and issues '' XXXX XXXX XXXX ( Acct # XXXX ) Reported facts : Opened XXXX ; Open ; balance {$140000.00} ; Account Rating : XXXX ; history shows severe derogatories ( e.g., Highest Adverse : XXXX ) ; Times XX/XX/XXXX Days Late : XX/XX/XXXX ; last reported XXXX. 


Issue : Derogatory coding is internally inconsistent and potentially misleading without clear substantiation ; fields ( e.g., severity vs. current status/payment history ) conflict.

Relief requested : Delete unsupported derogatory codes or provide competent verification and correct all fields to fully accurate values. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) ( Acct # XXXX ) Reported facts : CollectionOrChargeOff ; Open ; balance {$2400.00} ; opened XXXX ; last reported XXXX ; Loan Type : CollectionAttorney ; dispute flag appears in remarks. 


Issue : Dates/status characterization raise accuracy concerns ; need method of verification and documentation of amount/ownership.

Relief requested : Correct to accurate, non-misleading data with verified dates/amountsor delete if unverifiable. 

XXXX XXXX ( Acct # XXXX ) Reported facts : Revolving ; CollectionOrChargeOff ; Closed ; balance {$1400.00} ; limit {$1000.00} ; opened XXXX ; reported/verified XXXX ; derogatory despite Closed status. 


Issue : If this debt was sold to a debt buyer, Metro 2 guidance requires the original creditor tradeline to reflect {$0.00} balance and sold/closed ( no ongoing collection balance ) to avoid double-counting. Either way, the current balance/date coding appears inconsistent with the separate debt-buyer collection ( below ).

Relief requested : If sold, set balance to {$0.00} with appropriate sold/closed remark ; otherwise provide verification supporting the charged-off balance and dates. Delete if unverifiable. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( Acct # XXXX ) Reported facts : CollectionOrChargeOff ; Open ; balance {$720.00} ; opened XXXX ; reported/verified XXXX ; Loan Type : FactoringCompanyAccount. 


Issue ( Metro 2/FCRA ) : Coding this as a FactoringCompanyAccount for a consumer credit-card debt is misleading ; Metro 2 expects accurate collection account classification with clear original creditor identification and an accurate FCRA Date of First Delinquency ( DOFD ) used to set obsolescence.

Relief requested : Recode as a standard collection account ( not factoring ), ensure the original creditor is shown clearly, and furnish the DOFD ; correct or delete if unverifiable. 

XXXX XXXX ( Acct # XXXX ) Reported facts : CollectionOrChargeOff ; Closed ; balance {$64.00} ; opened XXXX ; reported XXXX ; remarks show dispute indicator ; account type shows Open while status is Closed. 


Issue : Simultaneous Closed status with Open/collection * * coding and active balance is inconsistent/misleading.

Relief requested : Make coding consistent ( accurate closed/paid status if no collectible balance ), or delete if not fully verifiable. 


Identifiers : Please remove any other names/addresses not belonging to me and keep XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX as current, per my dispute letters. 


Inquiries : Under 15 U.S.C. 1681b, confirm permissible purpose for each hard inquiry ; delete any lacking permissible purpose and disclose the source under 1681g ( a ).

1681e ( b ) : TransUnion must follow reasonable procedures to assure maximum possible accuracy.

1681i ( a ) : Must conduct a reasonable reinvestigation within the statutory period ; forward disputes to furnishers ( 1681i ( a ) ( 2 ) ) ; provide results and method of verification upon request ( 1681i ( a ) ( 6 ) ( 7 ) ) ; and follow re-insertion rules ( 1681i ( a ) ( 5 ) ).

1681c : Ensure obsolescence dates are tied to the DOFD.

Metro 2 ( CDIA ) : Report collections with accurate Account/Portfolio Type ( not XXXXAccount for consumer credit-card debt buyers ). 

Ensure the FCRA DOFD is accurately furnished for collections/charge-offs, used for 7-year obsolescence. 

If original debt sold, original creditor tradeline should reflect {$0.00} balance and a sold/closed remark to avoid duplicate collectible balances. 

These errors depress my scores and mislead creditors, impeding access to fair credit, housing, insurance, and employment.

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