Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against TransUnion for continued reporting of inaccurate, misleading, and unverifiable information on my credit file despite previous disputes. The persistence of these errors is causing significant and unjust harm to my financial health, emotional wellbeing, and overall ability to access fair credit. This complaint includes detailed breakdowns of each account, inquiry, and the laws being violated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2500.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Issue : This charge-off is inaccurately reported and has not been verified per my previous dispute. I never received proper validation or investigation results. 
Law Violated : FCRA 611 ( 15 U.S. Code 1681i ), FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Story : I have no recollection of incurring this debt, and despite my request, TransUnion has failed to provide any legal documentation proving its accuracy. Reporting a charge-off without verification is causing me severe emotional stress and credit damage.

XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$610.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Issue : This account was paid as agreed, but it is being incorrectly reported as a charge-off. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) Story : I responsibly managed this account and completed the required payments. The erroneous charge-off status has unfairly dropped my credit score and misrepresents my credit behavior.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Status : Late Payment * * Issue : Late payments are reported incorrectly and without validation of billing records or due date history. 
Law Violated : FCRA 611, FCRA 607 ( b ) Story : I was impacted by a medical emergency during this time and requested accommodations, which were ignored. No formal response or verification was received from TransUnion.

XXXXXXXX XXXX XXXXXXXX High Balance : {$340.00} Date Opened : XX/XX/XXXX Status : Late Payment * * Issue : This late payment reporting is inaccurate and fails to account for a deferral agreement during COVID-19. 
Law Violated : CARES Act ( Section 4021 ), FCRA 607 ( b ) Story : I was granted hardship relief due to the pandemic, and my account should not reflect delinquency during that period. This misreporting is not only unethical but illegal under the CARES Act.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$880.00} Date Opened : XX/XX/XXXX Status : Late Payment * * Issue : This late payment entry lacks proper documentation and was not validated upon my request. 
Law Violated : FCRA 611, FCRA 607 ( b ) Story : I never received a billing notice for the payment claimed as late. I contacted XXXX XXXX and was told to dispute it with the bureau, but TransUnion failed to verify it appropriately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$440.00} Date Opened : XX/XX/XXXX Status : Late Payment * * Issue : Duplicate reporting of late payments for this account violates credit reporting standards. 
Law Violated : FCRA 623 ( a ) ( 5 ), FCRA 607 ( b ) Story : This account appears twice under different dates and amounts. The duplication creates inflated delinquency and has drastically impacted my credit reputation and scoring model.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$150.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Issue : This small-dollar loan was in dispute and was never resolved before being reported as a charge-off. 
Law Violated : FCRA 611, FDCPA 809 Story : I attempted to resolve the matter with the original creditor, but instead, they abruptly charged it off without notice. This is causing disproportionate damage to my credit for a small amount.

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Issue : This account was reported as a charge-off within 90 days of opening which is irregular and questionable. 
Law Violated : FCRA 607 ( b ), FCRA 623 ( a ) Story : I was in communication with the creditor regarding payment options. TransUnion reported this without allowing the process to finish, violating my consumer rights.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$30000.00} Date Opened : XX/XX/XXXX Status : Late Payment * * Issue : Late payments on this account are exaggerated and fail to reflect payment arrangements made during financial hardship. 
Law Violated : FCRA 611, FCRA 607 ( b ) Story : I served in the XXXX XXXX and communicated actively with XXXX XXXX during my hardship. These inaccuracies do not reflect the actual situation or accommodations provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Status : Collection * * Issue : This collection account has never been validated with a proper debt verification letter. 
Law Violated : FDCPA 809, FCRA 611 Story : I never received any original notice from this collection agency. The account is unverifiable, and yet TransUnion continues to report it.

XXXX XXXX XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Status : Collection * * Issue : I am unaware of this debt, and all attempts to validate have been ignored. 
Law Violated : FDCPA 809, FCRA 607 ( b ) Story : This debt was never acknowledged by me, nor did I sign for any such account. It is likely fraudulent or misattributed and severely harming my score.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Status : Collection * * Issue : XXXX Funding is reporting an old debt that is likely past the statute of limitations for collection. 
Law Violated : FDCPA 807 ( 2 ) ( A ), FCRA 607 ( b ) Story : I have never been contacted by XXXX prior to this account appearing on my report. I believe this to be zombie debt, and its reporting is unlawful and damaging. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX Status : Charge Off * * Issue : This account was closed due to a billing error, not non-payment. 
Law Violated : FCRA 611, FDCPA 809 Story : I disputed the final bill with XXXX XXXX, and no resolution was communicated. The charge-off was posted without proper due process or notice. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXXXXXX  Status : Collection * * Issue : This debt has been disputed multiple times with no proper documentation provided. 
Law Violated : FDCPA 809, FCRA 611 Story : I requested validation via certified mail, which was ignored. The continued reporting without response or proof is unlawful and harmful. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$230.00} Date Opened : XX/XX/XXXX Status : Collection * * Issue : Collection agency failed to provide required disclosures or validation before reporting. 
Law Violated : FDCPA 809, FCRA 623 Story : I have no record of any communication from XXXX XXXX. The account appeared suddenly, and no verification has been made. 
Hard Inquiries XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : No permissible purpose provided. I did not authorize this inquiry. 
Law Violated : FCRA 604 Story : This inquiry was not initiated or approved by me. The unauthorized access of my credit profile is a violation of my privacy and federal law. 
XXXX Inquiry Date : XX/XX/XXXX Issue : No application or authorization was made for this inquiry. 
Law Violated : FCRA 604 Story : I did not engage in any credit-seeking activity with XXXX. TransUnion failed to remove it upon dispute, which constitutes negligence. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : This was an unauthorized inquiry and not tied to any consumer-initiated transaction. 
Law Violated : FCRA 604 Story : I have never applied for credit or services with XXXX XXXX. This hard pull was made without my knowledge or consent. 
Requested Action I request immediate deletion of all inaccurate and unverifiable accounts, removal of unauthorized inquiries, and a full reinvestigation as required by the FCRA. Continued failure to comply will result in legal action, submission to the FTC, and escalation to state attorney general offices. My rights as a consumer under FCRA and FDCPA must be respected.

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