Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint and Demand for Immediate Deletion XXXX XXXX Account To Whom It May Concern : This correspondence serves as a formal complaint and demand for immediate corrective action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Texas Finance Code 392.202, regarding TransUnions repeated and unlawful reporting of an account with XXXX XXXX. 

Despite submitting clear, written proof from both the creditor and their attorney confirming that this account was paid in full, TransUnion continues to report this account as a charge off with a balance owed. This is now the fourth time I have attempted to resolve this issue with your agency and your continued refusal to correct it represents a pattern of willful noncompliance and a violation of my federal and state rights. 

XXXX. Ongoing Violation of the FCRA and Texas Finance Code Under 15 U.S.C. 1681i ( a ) ( 1 ), TransUnion is legally required to conduct a reasonable reinvestigation of disputed information and correct or delete any item found to be inaccurate or unverifiable within 30 days. You have had far more than sufficient time to do so. 

The documentation I provided directly from the creditor and their legal representative unequivocally confirms that this XXXX XXXX account has been paid in full. Continuing to report it as unpaid or active is false, misleading, and violates both federal and state law. 

Additionally, under Texas Finance Code 392.202 ( a ) ( c ), if the accuracy of disputed information can not be verified, the item must be deleted immediately. Your failure to comply is unacceptable and unlawful. 

XXXX. Refusal to Delete Verified-Inaccurate Information I am not requesting another investigation I am demanding the immediate deletion of this XXXX XXXX account from my credit file. TransUnion has already been given every opportunity to investigate and correct this matter. 

Your continued decision to side with the furnisher, despite receiving indisputable documentation proving the accounts closure, is indefensible. As a credit reporting agency, you are responsible for what you publish, and your refusal to act demonstrates both negligence and bias. 

Frankly, for TransUnion to verify an account in the face of direct written evidence from the creditors own attorney is not only unacceptable, it is disgusting and contrary to the intent of the Fair Credit Reporting Act which was enacted to protect consumers from precisely this type of abuse. 

XXXX. Demand for Disclosure of Verification Procedure Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I have the right to obtain a detailed description of the procedure TransUnion used to determine the accuracy and completeness of the disputed information. This includes : The name, address, and telephone number of each furnisher of information contacted during the reinvestigation ; and A detailed explanation of the method and evidence used to verify the disputed information. 

TransUnion has a history of failing to perform proper investigations or provide this legally required information. I therefore demand this verification procedure in full, in writing, within 15 calendar days of receipt of this complaint. 

XXXX. Notice of Complaint and Intent to Pursue Enforcement Because this is now my fourth attempt to have TransUnion accurately report or remove this account, I am formally filing this as a Consumer Financial Protection Bureau ( CFPB ) complaint, and I will also submit copies to the Federal Trade Commission ( FTC ) and the Texas Attorney Generals Office. 

If this matter is not corrected immediately, I will pursue civil remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance, as well as Texas Finance Code 392.403, which allows recovery of actual, statutory, and punitive damages and attorneys fees.

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