Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint against TransUnion for reporting inaccurate, outdated, and unverifiable information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 and related federal regulations. TransUnion has continuously reported incorrect, incomplete, and legally non-compliant data despite my efforts to request investigation and correction. I have detailed the problematic items below, including the account, account number ( partially redacted ), and the legal basis for this complaint. 

XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$3200.00} Status : Charge-Off * * This account is inaccurately reported as a charge-off. I dispute the validity, balance accuracy, and the reporting status. No proper validation of debt has been provided to confirm this tradeline. The furnisher has failed to comply with 15 U.S. Code 1681s-2 ( a ) by not ensuring maximum possible accuracy prior to reporting and after receiving a notice of dispute. TransUnion has violated its obligation under 15 U.S. Code 1681i ( a ) to reinvestigate disputed information within 30 days, as I submitted my dispute but received no lawful resolution. This entry has caused serious damage to my credit profile and has created barriers in obtaining fair credit. 
Issue : Inaccurate charge-off status, failure to verify debt, balance discrepancy Violations : FCRA 1681s-2 ( a ) Duty of data furnishers to provide accurate information FCRA 1681i ( a ) Failure to reinvestigate and delete unverifiable information FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy Narrative : I have contacted TransUnion regarding the inaccurate charge-off status of this account and have requested proper investigation and documentation that validates the reporting, including original creditor information, itemization of debt, and proof of authorization to report. No such documentation has been provided. Reporting such an account without verification has caused irreparable damage to my creditworthiness. It has prevented me from securing necessary lines of credit and has caused emotional distress, financial difficulty, and reputational harm. I believe this information is either obsolete, unverifiable, or incomplete and should not continue to appear on my credit report. 
Final Request : I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate TransUnion for the above violations. I am requesting the immediate deletion or correction of all inaccurate, unverifiable, obsolete, and unauthorized entries, including the account listed, the incorrect addresses, and the unauthorized inquiry. TransUnions failure to comply with federal consumer protection laws has caused me significant and measurable harm. 
I am also requesting that CFPB enforce appropriate penalties and ensure TransUnion updates its policies and practices in compliance with FCRA mandates. 
Thank you for your time and assistance in this matter. I can provide supporting documentation if required.

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