Consumer complaint received 2025-06-19 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: MI

Complaint narrative:
Summary of Issue : This is a formal consumer complaint regarding multiple inaccurate, incomplete, outdated, and unverifiable accounts reported by TransUnion on my consumer credit report dated XXXX XXXX XXXX. Despite my rights under the Fair Credit Reporting Act ( FCRA ), these accounts remain improperly listed on my credit report. TransUnion has either failed to conduct a reasonable reinvestigation or continued reporting unverifiable and inaccurate data, in violation of several provisions of the FCRA. 


Details of Disputed Accounts : The following accounts are improperly listed : XXXX XXXX Status : Charged Off Inconsistent balance history and unverifiable charge-off amount. 
Demand : Permanent deletion under 15 U.S.C. 1681i ( a ) due to unverifiability. 

XXXX XXXX XXXX XXXX Status : Charged Off Inaccurate payment history entries ; past-due dates and amounts conflict with documented statements. 
Demand : Immediate deletion for failure to report accurately per 15 U.S.C. 1681e ( b ). 

XXXX  XXXX Status : Charged Off Inaccurate high balance reporting ; inconsistent date of delinquency. 
Demand : Removal under FCRA 1681c ( a ) ( 4 ) for reporting obsolete delinquency and unverifiable data. 

XXXX XXXX XXXX Status : Charged Off Inaccuracies in past-due balances and reporting timeline. 
Demand : Deletion due to failure to report complete and accurate information as required under 15 U.S.C. 1681e ( b ). 

XXXX XXXX XXXX Status : Charged Off Inaccuracies in past-due balances and reporting timeline. 
Demand : Deletion due to failure to report complete and accurate information as required under 15 U.S.C. 1681e ( b ). 

XXXX XXXX XXXX XXXX Status : Charged Off Inaccuracies in past-due balances and reporting timeline. 
Demand : Deletion due to failure to report complete and accurate information as required under 15 U.S.C. 1681e ( b ). 

XXXX XXXX XXXX  XXXX Status : Collection Original creditor ( XXXX XXXX XXXX XXXX  ) has no validated claim documentation provided. 
Demand : Deletion under 15 U.S.C. 1681i ( a ) ( 5 ) for unverifiability. 

XXXX XXXX XXXX Status : Collection Unverified alleged debt originated from XXXX ; no validation received. 
Demand : Immediate deletion under 15 U.S.C. 1681i ( a ). 

Violations of Federal Law : These negative accounts violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) : TransUnion failed to maintain maximum possible accuracy in reporting consumer information. Many of these accounts reflect inaccurate balances, payment histories, inconsistent charge-off amounts, and unverifiable debts. 
15 U.S.C. 1681i ( a ) : TransUnion failed to conduct a proper reinvestigation of disputed information within 30 days and continued reporting unverifiable or inaccurate accounts.

15 U.S.C. 1681c ( a ) : Several accounts, including charge-offs and collections, are obsolete under the FCRAs 7-year reporting limitations and should no longer appear on my consumer report. 
15 U.S.C. 1681s-2 ( b ) : Data furnishers failed to conduct proper investigations upon notice of dispute and did not report updated or corrected information to TransUnion. 


Impact on Consumer : These inaccuracies have severely damaged my creditworthiness, resulting in denials of credit, higher interest rates, and reputational harm. Despite prior attempts to resolve these disputes directly with TransUnion, the agency has failed to remedy the reporting violations.

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