Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I disputed multiple accounts on my TransUnion credit report that are either inaccurate, outdated, or inconsistent with the data reported by other credit bureaus. Despite my disputes, TransUnion verified the information without providing sufficient evidence, and continues to report incorrect or misleading information. These accounts are negatively affecting my credit report and are not consistent with the Fair Credit Reporting Act ( FCRA ) guidelines.

Here are the specific accounts : XXXX XXXX XXXX Pay Status : " Sold ; was Charged-off '' Remarks : " PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF '' Date Updated : XX/XX/XXXX I paid this account in full, and it was sold. It should not continue to carry a charged-off notation or suggest unresolved debt. 

XXXX XXXX Pay  Status : " Charge-off '' Remarks : " UNPAID BALANCE CHARGED OFF '' Date Updated : XX/XX/XXXX This status does not match what is reported on my other credit reports. I believe this is inaccurate and unverifiable. 

XXXX XXXX XXXX Pay Status : " Paid, Closed ; was 90 days past due date '' Date Updated : XX/XX/XXXX This account has been resolved. I am requesting removal of the " 90 days past due '' notation as it is no longer applicable. 

XXXX XXXX Pay Status : " Paid, Closed ; was 60 days past due '' Date Updated : XX/XX/XXXX I request the removal of derogatory notations. This account is paid and closed. 

XXXX XXXX XXXX XXXX XXXX Pay Status : " Paid, Closed ; was Paid as agreed '' Date Updated : XX/XX/XXXX Status shows no lates. However, its still reporting with remarks that affect my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX Pay Status : " Paid, Closed ; was Paid as agreed '' Date Updated : XX/XX/XXXX Paid on time. Should not negatively impact my file. 

XXXX XXXX XXXX XXXX XXXX  ( duplicate ) Pay Status : " Paid, Closed ; was Paid as agreed '' Date Updated : XX/XX/XXXX Appears to be a duplicate of another XXXX XXXX  account. I want confirmation and cleanup of any duplicate reporting. 

XXXX XXXX Pay Status : " Collection '' Date Updated : XX/XX/XXXX Remarks : " PLACED FOR COLLECTION ; Account information disputed by consumer ( FCRA ) '' Ive disputed this before. TransUnion did not resolve this issue and has not shown proper validation. 

XXXX XXXX XXXX Pay Status : " Collection '' Date Updated : XX/XX/XXXX Remarks : " PLACED FOR COLLECTION ; Completed investigation of FCRA dispute - consumer disagreed '' I never received full validation of this debt. This was purchased from XXXX XXXX and lacks transparency. 

XXXX XXXX Pay Status : " Collection '' Date Updated : XX/XX/XXXX Remarks : " PLACED FOR COLLECTION '' No supporting documentation has been provided after dispute.

TransUnion failed to conduct a proper reinvestigation and verified items without showing adequate proof or documentation from original creditors, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

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