Consumer complaint received 2025-07-02 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:
I am filing this formal complaint against TransUnion for failure to uphold their legal obligations under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and other applicable federal laws. Despite multiple attempts to resolve these issues, TransUnion continues to report inaccurate, incomplete, and unverifiable information on my credit report, which is causing me significant harm, distress, and financial hardship. 
XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$310.00} Status : Charge off This account is inaccurately reported as charged off. I requested TransUnion to investigate and validate this account under 15 U.S. Code 1681i Procedure in case of disputed accuracy. However, no meaningful investigation was conducted, and no documentation was provided to verify the debt. As per 15 U.S. Code 1681e ( b ), TransUnion must maintain maximum possible accuracy in reporting, which was not upheld. Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), the account should be deleted if unverifiable, yet TransUnion continues to report it. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$540.00} Status : Charge off This account is being reported with a charge-off status, but no proof has been provided regarding the validity, ownership, or balance of this debt. This violates my rights under 15 U.S. Code 1681i and 1681b. Reporting unverifiable information is a direct violation of the FCRA. I never received a notice of charge-off, and TransUnion failed to conduct a proper reinvestigation or notify me of the outcome as required under FCRA 1681i ( a ) ( 6 ). 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX High Balance : {$5900.00} Status : Late Payment This account inaccurately reflects late payments during the federal student loan forbearance period due to the COVID-19 relief program. According to the CARES Act 3513, no negative credit reporting was to be made during administrative forbearance. TransUnion 's failure to update this data violates the FCRA 1681c ( a ) ( 4 ) and the CARES Act provisions. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX High Balance : {$10000.00} Status : Late Payment This account also shows late payments during a period that should have been in administrative forbearance. These entries are damaging, false, and in violation of both the CARES Act and 15 U.S. Code 1681s-2 ( a ), which prohibits the reporting of inaccurate information knowingly. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX High Balance : {$55000.00} Status : Late Payment Like the other accounts, this account is also reported with multiple late payments during a time of federally approved forbearance. I demand the immediate deletion or correction of this information under 15 U.S. Code 1681i ( a ) ( 5 ), as it is misleading and inaccurate.

I am demanding the following corrective actions : 1. Immediate deletion or permanent correction of the inaccurate and unverifiable accounts.

2. Removal of all inaccurate addresses from my credit file.

3. Investigation and deletion of all unauthorized inquiries.

4. A complete reinvestigation report with documentation as per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

If TransUnion fails to comply with these requests, I reserve the right to pursue further legal action, including complaints to the FTC and a private right of action under FCRA 1681n and 1681o for willful or negligent noncompliance. 
I request the CFPB to intervene and ensure TransUnion is held accountable for violating my consumer rights and failing to report truthful, verifiable, and accurate 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