Consumer complaint received 2025-08-20 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Inaccurate and Unverifiable Reporting by TransUnion Dear XXXX, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., against TransUnion, LLC for failing to ensure accurate and verifiable reporting. Despite prior disputes, TransUnion continues to report inaccurate, outdated, and unverifiable derogatory information regarding the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX 

These errors have caused significant harm to my creditworthiness and are in direct violation of FCRA 1681e ( b ), 1681i ( a ), and 1681c ( a ). 


-- - XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a Charge-off with {$200.00} balance on {$300.00} limit. 

XXXX XXXX claims the account was opened XX/XX/XXXX, but derogatory remarks remain beyond XXXX years of first delinquency, violating FCRA 1681c ( a ) ( 4 ) which prohibits reporting obsolete negative accounts after XXXX  years. 

Payment history shows Dispute Resolved XXXX Disagrees, yet TransUnion continues to carry forward unverifiable derogatory notations without validation. 


Required Action : Delete this account as obsolete and unverifiable. 


-- - XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Card : Reported as Charge-off with balance {$15000.00}, exceeding the stated {$15000.00} credit limit. Reporting balances above the credit limit is inaccurate, misleading, and violates FCRA 1681e ( b ) ( maximum possible accuracy ). 

XXXX XXXX : Reported as Charge-off with balance {$11000.00} despite being classified as Profit and Loss Writeoff. A charged-off loan written off by the creditor can not simultaneously be reported as collectible. 


Required Action : Delete both XXXX XXXX accounts as they are being reported with false balances and unverifiable charge-off statuses. 


-- - XXXX. XXXXXXXX XXXX ( Collection Account {$710.00} ) Reported as collection for a XXXX XXXXXXXX XXXX account. 

XXXX is not the original creditor and has not provided validation of ownership or contract rights. 

Continuing to report this account without proof of assignment or validation violates FCRA 1681i ( a ) ( 1 ) ( A ) and the CFPBs own standards for debt collector reporting. 


Required Action : Delete this collection account as unverifiable and inaccurate. 


-- - Relief Requested Pursuant to my rights under the FCRA, I request the CFPB to : XXXX. Investigate TransUnions reporting practices regarding XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX 


XXXX. Compel TransUnion to delete all inaccurate, unverifiable, and obsolete information tied to these accounts. 


XXXX. Enforce compliance with FCRA 1681e ( b ) requiring maximum possible accuracy. 


XXXX. Provide written confirmation of deletions or corrections. 



I have attached copies of my TransUnion credit reports dated XX/XX/XXXX and XX/XX/XXXX which clearly show these disputed accounts. 

Thank you for your immediate attention. Please confirm receipt of this complaint and advise me of the results of your investigation. 

Sincerely, XXXX 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 explanation