Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because my TransUnion credit file contains multiple accounts, collections, and personal information entries that are inaccurate, inconsistent across bureaus, tied directly to identity theft, and not supported by any documented verification from the furnishers. My FTC Identity Theft Report number XXXX, shown on pages 3 and 4 of the uploaded file, lists several fraudulent accounts including IC System XXXX, IC System XXXX, XXXX XXXX XXXX, and The Bureaus XXXX. Federal law requires these accounts to be blocked unless the furnishers provide verified proof of ownership. No such proof has ever been provided. 

Despite this, TransUnion continues reporting these fraudulent accounts with conflicting statuses that prove the information is unreliable. For example, on page 21 the XXXX XXXX account XXXX appears open on TransUnion but is reported as closed on XXXX  and not listed at all on XXXX. A legitimate collection can not be open on one bureau and closed on another. This inconsistency shows the data was never verified and violates FCRA 1681e b accuracy requirements. 

The same pattern appears with XXXX XXXX XXXX on page 25 where XXXX  reports the account as closed, TransUnion reports it as open, and XXXX  shows nothing. There is no contract, no original creditor, no billing history, and no signed documentation connecting me to this debt. Under FCRA 1681c 2 identity theft accounts must be blocked once the consumer provides an FTC Identity Theft Report. TransUnion has failed to follow this requirement. 

QSide account XXXX on page 23 is another example of unverifiable data. XXXX  has already deleted the account for failure to verify, which legally requires the other bureaus to do the same unless they can produce documentation XXXX  did not have. Instead, TransUnion continues to report it as a chargeoff even though no supporting records exist. The last activity dates, comments, and payment history fields all conflict with Experian and Equifax. 

The second XXXX  account XXXX on page 11 also contains different dates, different balances, different past due amounts, and conflicting comments. A valid auto loan can not have mismatched payment history or different last payment dates across bureaus. No contract, payment records, or repossession documents have been provided. Under FCRA 1681i, unverifiable accounts must be deleted. 

The XXXX XXXX chargeoff XXXX on pages 13 and 14 contains three different delinquency timelines across the bureaus. Experian shows continuous CO codes for years, which violates Metro 2 rules because a chargeoff is a one time event. Equifax shows no payment history at all. TransUnion shows a pattern of dates that do not match either bureau. This account has not been verified with any billing statements or evidence of delinquency. 

The XXXX XXXX chargeoff XXXX on page 16 contains the same violations. All three bureaus report different dates last active and different last payment dates, which means the account was never verified. Continuous CO codes on Experian violate Metro 2 reporting rules and can not legally remain.

My personal information is also incorrect and linked to identity theft. Pages 19 and 20 show multiple false addresses including XXXX XXXX XXXX XXXX NY and XXXX XXXX XXXX XXXX XXXX NY, as well as employers I have never used such as XXXX XXXX  XXXX XXXX and XXXX XXXX. These incorrect identifiers create mixed files and allow fraudulent accounts to attach to my credit profile. 

The first pages of the file show clear evidence that my personal information was compromised in the XXXX  XXXX XXXX and the XXXX XXXX XXXX XXXX, which increases the likelihood of identity theft and requires heightened verification standards under federal law. 

TransUnion has not conducted a lawful reinvestigation of any item I disputed. Instead, they responded with automated comments such as account information disputed by consumer meets FCRA requirements, which appear repeatedly throughout the report. These generic remarks do not satisfy FCRA 1681i, which requires furnishers and credit bureaus to conduct individualized and documented investigations.

The presence of fraudulent accounts, unverifiable chargeoffs, inconsistent reporting across bureaus, and incorrect personal information has caused me significant financial harm, emotional distress, and long term damage to my credit standing.

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