Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
CFPB COMPLAINT FORMAL FEDERAL CONSUMER PROTECTION VIOLATION NOTICE Product : XXXX XXXX XXXX : XXXX XXXX XXXX Credit Bureau : TransUnion LLC Issue Type : Inaccurate Credit Reporting / Failure to Properly Investigate / Failure to Flag Dispute / XXXX XXXX Non-Compliance SUMMARY OF COMPLAINT I am filing this complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXX and TransUnion LLC for willful violations of the Fair Credit Reporting Act ( FCRA ) and systemic XXXX XXXX reporting non-compliance regarding my auto loan account ending in XXXX. 

I first disputed this account directly with the creditor as an invalid debt. I then formally disputed with TransUnion. Despite this, TransUnion claims the account was verified as accurate and updated on XX/XX/year>, even though the account contains multiple factual impossibilities and illegal reporting conditions that were never corrected. 

XXXX own investigation results confirm that this account is being published with : $ 0 monthly payment on a XXXX installment contract Repossession status listed as verified {$12000.00} past-due balance No Metro XXXX dispute indicator XXXX address association Missing legally required verification elements No proof of contract enforceability No proof of lawful deficiency TransUnions verification is therefore objectively fraudulent and legally impossible. 



DOCUMENTED REPORTING IMPOSSIBILITIES & VIOLATIONS XXXX. IMPOSSIBLE INSTALLMENT TERMS XXXX XXXX XXXX XXXX TransUnion currently reports : Terms : {$0.00} per month Payment Schedule : Monthly Loan Term : 66 months This configuration is mathematically and legally impossible for a valid installment contract. A loan can not exist with no payment obligation yet generate delinquency, default, repossession, and a {$12000.00} deficiency. 

This alone invalidates the entire tradeline under : FCRA XXXX ( b ) Maximum Possible Accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing Information Known to Be XXXX XXXX XXXX Format Logical Consistency Rules XXXX. FAILURE TO REPORT ACCOUNT AS IN DISPUTE FCRA XXXX ( a ) ( XXXX ) VIOLATION I disputed this account : Directly with the furnisher ( Credit Acceptance ) Formally with TransUnion Through multiple CFPB complaints Yet no dispute notation ( Consumer Disputes This Account ) appears anywhere on the tradeline. 

This omission is a standalone federal violation that falsely misleads all creditors reviewing my report into believing I accept liability for a debt that is formally contested. 



XXXX. FALSE VERIFICATION WITHOUT EVIDENCE FCRA XXXX ( a ) & XXXX ( b ) TransUnion states the account was verified as accurate, however : No contract verification was supplied No itemized deficiency accounting was supplied No auction sale proceeds documentation was supplied No deficiency calculation proof was supplied No repossession authorization proof was supplied No post-sale accounting documentation was supplied A data furnisher can not legally verify a debt they can not document. This makes the verification procedurally fraudulent. 



XXXX. INCORRECT ADDRESS ASSOCIATED WITH ACCOUNT The address tied to this tradeline does not match the address TransUnion maintains in my consumer file. This is direct evidence of : Data contamination Identity mismatch Mixed-file risk Possible third-party attribution error This alone required immediate deletion, not verification. 



XXXX. DEFICIENCY REPORTING WITHOUT LEGAL BASIS The account reports : Past Due : {$12000.00} Payment Received : {$0.00} Status : Repossession Yet : No lawful deficiency accounting was proven No commercially reasonable auction proof was supplied No proceeds were credited in verification No debt validation was provided This violates : FCRA XXXX ( b ) FCRA XXXX ( a ) ( XXXX ) FCRA XXXX ( b ) CREDIT BUREAU XXXX TRANSUNION LLC TransUnion violated : FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to conduct reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) Failure to delete unverifiable information FCRA XXXX ( b ) Reporting information without maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) Failure to mark dispute FCRA XXXX ( a ) ( XXXX ) ( B ) Any reinsertion requires certification and notice ( never provided ) Their investigation consisted of blind reliance on an unverified furnisher response despite the presence of mathematically impossible account terms. 



ONGOING HARM As a result of this false verification : My credit score remains severely suppressed I continue suffering active reputational credit damage Lenders are misled into believing this debt is valid I am financially restrained by a provably defective tradeline The harm compounds monthly due to continued balance updates FORMAL RELIEF REQUESTED I formally request that the CFPB require : FROM XXXX XXXX XXXX XXXX. XXXX deletion of the entire installment loan from TransUnion, and any other credit bureau where this account is furnished. 
XXXX. Permanent cessation of any furnishing on this account whatsoever ; XXXX. Written certification that no further reporting will occur. 
XXXX. Full accounting of any alleged deficiency and sale proceeds. 

FROM TRANSUNION LLC XXXX. Immediate deletion of the tradeline under FCRA XXXX ( a ) ( XXXX ) XXXX. Written disclosure of all verification materials received XXXX. Certification that no reinsertion will occur without legal compliance XXXX. Confirmation that my dispute rights were violated and corrected LEGAL POSITION This account is legally defective under federal law for the following independent reasons : Impossible loan structure Missing dispute flag False verification Lack of contract proof Lack of deficiency proof Address mismatch XXXX XXXX reporting violations Procedural reinvestigation fraud Any XXXX of these defects alone mandates deletion. Their coexistence establishes willful non-compliance. 



CONCLUSION This is not a billing disagreement. This is a systemic data integrity failure and federal consumer protection violation. TransUnion fabricated a verification that could not lawfully exist. XXXX XXXX furnished data that can not possibly be accurate under any lawful accounting standard. 

I request immediate regulatory enforcement, and Escalation to supervisor review *

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 explanation