Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I am filing this complaint against TransUnion because they continue to report inaccurate and unverifiable information on my credit report, despite my repeated disputes over the course of eight rounds. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), TransUnion is required to conduct a reasonable reinvestigation and either verify or delete disputed items. Instead, they have left duplicate, inconsistent, and unauthorized information on my report, damaging my credit standing.

The following accounts and inquiries are being reported inaccurately : XXXX XXXX Accounts All opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} Reported Late Payments XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} Reported Late Payments XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} Reported Late Payments XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00} Reported Late Payments XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} Reported Late Payments XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7300.00} Reported Late Payments XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} Reported Late Payments XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} Reported Late Payments XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Reported Late Payments These accounts are all fragments of the same Department of Education loan , yet they are being reported separately with different balances. This duplication inflates my debt load and misrepresents my creditworthiness. This is inaccurate, misleading, and violates the FCRA.

DEPTEDXXXX Accounts All showing {$0.00} balances but reported with Late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX All of these accounts have a XXXX balance, yet TransUnion continues to report late payments on them. Reporting derogatory information on closed and paid accounts is inaccurate, misleading, and unfair. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4700.00} Reported as Charge Off * * This account is being reported as a charge off, but the information is inconsistent and unverifiable. TransUnion has failed to provide documentation proving its accuracy despite multiple disputes. 
Unauthorized Inquiries by XXXX XXXX XX/XX/XXXX XX/XX/XXXX I did not authorize these inquiries. TransUnion has ignored my disputes regarding these hard pulls. Under FCRA 1681b, inquiries must have a permissible purpose. Since no authorization exists, these inquiries are unlawful.

I have disputed these items repeatedly, but TransUnion refuses to properly reinvestigate or delete them. Their failure to comply with the law has caused me ongoing harm, including lowering my credit score, limiting my ability to obtain credit, and creating an inaccurate credit history.

Requested Resolution : I am requesting that the CFPB require TransUnion to : 1. Permanently delete all of the above-listed accounts and inquiries from my credit report.

2. Provide written confirmation that these items have been removed.

3. Ensure future compliance with the FCRA so that this type of negligent reporting does not continue.

TransUnion has had more than enough opportunity to correct these issues, yet they have chosen to ignore my rights. At this point, regulatory intervention is necessary.

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 explanation