Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because TransUnion is reporting several inaccurate, incomplete, and unverified items on my credit report. I have attempted to dispute these items, but the information remains despite the furnishers failure to provide proper verification as required under the Fair Credit Reporting Act ( FCRA ) 602A, 604, 607 ( b ), 611, and 623. 

Below is a detailed list of the inaccurate items. 



XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off Creditor : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( partial ) Status Reported : Charge-Off ; Closed by Credit Grantor ; Unpaid Balance Charged Off Balance Reported : {$1100.00} Date Updated : XX/XX/year> Removal Date Reporting : XXXXXXXX  Reason This Information Is Inaccurate : The account shows inconsistent reporting between XXXX XXXX XXXX and XXXX XXXX XXXX. 
The dates of first delinquency and charge-off appear inaccurately extended, which improperly lengthens the reporting period beyond the 7-year limit established by FCRA 605 ( a ).

No validation or supporting documentation has been provided after I disputed the accuracy.

Requested Action : Delete this account entirely from my TransUnion file due to failure to properly verify and inaccurate reporting. 



XXXX. XXXX XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} Status : Collection ; Placed for Collection Date Opened : XX/XX/year> Removal Date Reporting : XXXX/2031 Inaccuracy Details : This appears to be the same alleged debt as the XXXX XXXX XXXX  account listed above. 
Reporting the same debt two times violates FCRA 607 ( b ) ( maximum possible accuracy ). 
XXXX has not provided proof of ownership, itemized accounting, or original documentation required under FDCPA validation rules. 

Requested Action : Immediate deletion due to duplication and lack of verification. 



XXXX. XXXX XXXX XXXX XXXX Account # XXXX Original Creditor : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} Status : Collection ; Placed for Collection Inaccuracy Details : No supporting validation was provided. 
Account details, including balance and original creditor information, contain discrepancies. 

Requested Action : Delete due to unverified and inconsistent reporting per FCRA 611 ( a ) ( 1 ) ( A ). 



XXXX. Other Late Payment Reporting Issues Several accountsincluding XXXX  XXXX and Comenity accountshave inconsistent late-payment history that does not match my records or previously reported data. 
Examples include incorrect XXXX and XXXX late marks reported in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( late marks in XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late in XX/XX/year> ) These inaccuracies harm my score and violate FCRA 607 ( b ) requiring maximum possible accuracy.

Requested Action : Delete all inaccurate late payments or provide full validation records ( billing statements, payment history, date of delinquency proof, etc. ).

Legal Basis for This Complaint Under the FCRA : I have the right to accurate and verifiable information ( FCRA 607 ( b ) ).

CRAs must conduct a reasonable reinvestigation and delete unverifiable information ( 611 ).

Items must not remain longer than 7 years from the date of first delinquency ( 605 ( a ) ). 
Furnishers must only report complete and accurate information ( 623 ). 

TransUnion and the furnishers have not met these obligations.

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