Consumer complaint received 2025-12-10 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 formal complaint with TransUnion after reviewing my credit report and discovering multiple inaccurate and improperly reported items. These errors constitute violations of the Fair Credit Reporting Act ( FCRA ), XXXX federal law, and California XXXX XXXX. The following items require immediate reinvestigation and correction : DISPUTED ACCOUNTS & INACCURACIES XXXX. XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Reported Balance : {$9900.00} This account is being reported as a charged-off account, yet required identifying dates are missing or inaccurate, including : The actual charge-off date The date of last payment The accurate Date of First Delinquency ( DOFD ) Reporting a charge-off without accurate information is a violation of : FCRA 623 ( a ) ( 5 ) duty to report the correct DOFD FCRA 607 ( b ) duty to maintain maximum possible accuracy FCRA 611 ( a ) requirement to reinvestigate disputed information 15 U.S.C. 1681e ( b ) failure to maintain procedures assuring accuracy If these dates can not be verified through proper documentation, TransUnion must correct or remove the reporting. 

XXXX. XXXX XXXX XXXX Account No. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX. 
Date Opened : XX/XX/XXXX Reported Balance : {$560.00} This account was paid in full before ever being placed in collections, making the collection reporting false and inaccurate. This violates : FCRA 607 ( b ) failure to report with maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) prohibition against reporting information known to be inaccurate FCRA 611 ( a ) failure to reinvestigate thoroughly upon dispute 15 U.S.C. 1681s-2 ( b ) duty of furnishers to correct inaccurate information upon notice Because this collection is invalid and unverifiable, TransUnion must delete this item immediately.

FEDERAL LAW VIOLATIONS TransUnions failure to maintain accurate reporting and properly reinvestigate disputes violates the following U.S. federal laws : 15 U.S.C. 1681i ( a ) failure to conduct a proper reinvestigation within 30 days 15 U.S.C. 1681e ( b ) failure to maintain procedures ensuring maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) failure of furnishers to investigate and correct disputed data FCRA 611 ( a ) ( 1 ) ( A ) failure to reinvestigate upon consumer dispute FCRA 605 ( a ) prohibition on obsolete or unverifiable information Any information that can not be verified must be deleted immediately. 

CALIFORNIA STATE LAW VIOLATIONS As a California resident, I am protected by additional consumer reporting and privacy laws, including : California Consumer Credit Reporting Agencies Act ( CCRAA ) TransUnions inaccuracies violate the following provisions : Cal. Civ. Code 1785.14 ( a ) failure to follow reasonable procedures for accuracy Cal. Civ. Code 1785.16 ( a ) failure to reinvestigate disputed information Cal. Civ. Code 1785.25 ( a ) prohibition against reporting information known to be inaccurate California Consumer Privacy Act ( CCPA ) Inaccurate or incomplete reporting violates : Cal. Civ. Code 1798.105 right to correct inaccurate personal information Cal. Civ. Code 1798.110 & 1798.115 right to accurate personal information collected or disclosed Rosenthal Fair Debt Collection Practices Act If a debt collector furnished inaccurate or misleading information, it may violate : Cal. Civ. Code 1788 et seq. prohibition on false or deceptive debt-related information

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