Consumer complaint received 2025-06-25 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: MO

Complaint narrative:
Dear CFPB, I am filing this formal complaint against TransUnion for their ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ). Despite submitting previous disputes, TransUnion continues to report inaccurate, misleading, and unverifiable information that severely damages my creditworthiness and well-being. 
Below is a list of the problematic accounts and inquiries with their issues and relevant legal violations : XXXXXXXX XXXX ( Acct : XXXX ) High Balance : {$800.00} | Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Account reported as a charge-off beyond the legal XXXX limit for derogatory information. 
Violations : FCRA 605 ( a ) ( 4 ), 611 Outdated and unverifiable negative data. 
XXXX. XXXX ( Acct : XXXX ) High Balance : {$790.00} | Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Duplicate reporting of the same account under XXXX different names, misleadingly increasing perceived debt. 
Violations : FCRA 607 ( b ), 602 ( A ) Inaccurate and misleading duplication. 
XXXX. XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$22000.00} | Date Opened : XX/XX/XXXX Status : Charge-Off Issue : Account settled via voluntary surrender but still incorrectly listed as charged-off with no balance update. 
Violations : FCRA 623 ( a ) ( 2 ), 611 Inaccurate post-settlement status. 
XXXX. XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$15000.00} | Date Opened : XX/XX/XXXX Status : Late Payments Issue : Late payments reported without validation or supporting documentation despite formal dispute. 
Violations : FCRA 611, 609 ( a ) ( 1 ) Failure to verify and disclose accurate history. 
XXXX XXXX XXXX ( Acct : XXXX ) High Balance : {$71.00} | Date Opened : XX/XX/XXXX Status : Collection Issue : Date opened is in the future, indicating a blatant data entry or systemic error. 
Violations : FCRA 607 ( b ), 605 ( b ) Reporting erroneous and false information. 
XXXX. XXXX XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$500.00} | Date Opened : XX/XX/XXXX Status : Late Payments Issue : Inaccurate late payment entries with no documentation provided upon request. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ), 611 Incomplete and unverifiable payment reporting. 
XXXX XXXX XXXX XXXX ( Acct : XXXX ) High Balance : {$1000.00} | Date Opened : XX/XX/XXXX Status : Late Payments Issue : Account shows late payments after it was paid and closed, which is factually incorrect. 
Violations : FCRA 623 ( a ), 611 Reporting false post-closure delinquencies. 
XXXX. XXXX XXXX ( Hard Inquiry ) Date of Inquiry : XX/XX/XXXX Status : Unauthorized Inquiry Issue : I did not authorize this hard inquiry, and the company failed to show a permissible purpose. 
Violations : FCRA 604 ( a ) ( 3 ) Inquiry without consent. 
Personal Summary & Harm : I have made good-faith efforts to dispute and resolve these issues directly with TransUnion, but my concerns were either ignored or improperly investigated. This inaction violates FCRA 611 and shows a pattern of willful noncompliance with federal law. The presence of these errors has directly caused : Denial of rental housing Rejection for auto and personal loans Increased interest rates Emotional distress and financial setbacks These inaccurate and unverifiable entries are preventing me from rebuilding my financial stability. 
Resolution Requested : XXXX. Immediate deletion or correction of all accounts listed above XXXX. Verified and documented results of reinvestigation within XXXX XXXX XXXX. Cease further reporting of unverifiable or outdated data XXXX. Hold TransUnion accountable for repeated violations of the FCRA Thank you for your time and attention. I request a full investigation and enforcement action to ensure my consumer rights are protected under the law.

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