Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am writing to address multiple inaccuracies and violations of federal consumer protection laws contained within my credit file maintained by TRANSUNION. The Fair Credit Reporting Act ( FCRA ) requires all consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. TRANSUNION has failed to uphold this responsibility by publishing data that is false, misleading, and harmful to my financial standing. One specific example is XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$130.00}, which is being inaccurately reported with a 30-day late payment in XXXX XXXXXX/XX/XXXX. This reporting error portrays a negative payment history that is not factual. Federal law strictly prohibits the reporting of unverifiable and inaccurate information, and by continuing to report such data, TRANSUNION is in direct violation of the FCRA. These failures have caused measurable harm to my financial reputation. 

Additionally, TRANSUNION is misreporting information regarding XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX. This account is being inaccurately displayed with 60-day and 90-day late payments that are not supported by my records. Such false reporting severely damages my credit profile and negatively impacts my ability to obtain fair credit opportunities. FCRA Section 607 ( b ) requires credit reporting agencies to establish reasonable procedures to assure accuracy, yet TRANSUNION has clearly failed to implement such measures. Reporting unverifiable late payments without proof or validation constitutes both negligent and willful noncompliance with federal law. The continued display of this false information is an abuse of the responsibilities imposed on consumer reporting agencies under federal statute. 

Further, several DEPARTMENT OF EDUCATION / XXXX accounts, including those ending in XXXX, XXXX, XXXX, and XXXX, are being inaccurately reported with 90-day late payments for XX/XX/XXXX and 120-day late payments for XX/XX/XXXX. These accounts, which were opened between XXXX and XXXX with balances ranging from {$820.00} to {$2500.00}, are displayed with derogatory remarks that are not accurate and do not comply with the reporting standards required by law. TRANSUNIONs reporting of these accounts as closed/120 days late with flawed delinquency dates is misleading and constitutes a pattern of systemic errors. Federal law requires all published information to be complete and correct, and failing to uphold this duty results in material harm to consumers. By publishing these derogatory marks without verification, TRANSUNION is in violation of the FCRA and has caused direct and unjustified damage to my creditworthiness.

It is essential to emphasize that under Section 611 of the FCRA, TRANSUNION has a legal duty to conduct a thorough reinvestigation whenever a consumer disputes inaccurate information. A proper reinvestigation requires more than simply confirming data with furnishers ; it demands full validation of accuracy, completeness, and legal compliance. The continued reporting of false information after disputes have been raised demonstrates that TRANSUNION has failed to meet its statutory obligations. Such failures represent willful noncompliance with federal law and create financial harm through lowered credit scores, higher interest rates, and restricted access to credit opportunities. These violations are unacceptable and must be corrected without delay.

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