Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I am filing a complaint against TransUnion for continuing to report inaccurate and non-compliant information on my credit report dated XX/XX/2025. I have submitted multiple disputes, but TransUnion has failed to reasonably investigate or correct several reporting errors, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 



Errors and Violations Include : 1. Over-the-Limit Reporting Metro 2 & FCRA 1681e ( b ) : XXXX reports a {$720.00} balance on a {$700.00} limit ( 104 % utilization ). 
XXXX reports a {$740.00} balance on a {$700.00} limit ( 107 % utilization ). 
These both exceed the allowable reporting limit and violate Metro 2 data standards. Reporting over-limit utilization is inaccurate and harms my credit score. 

2. Outdated Capital One Reporting FCRA 1681i ( a ) & 1681s-2 ( a ) : XXXX XXXXXXXX ( ending XXXX ) : TransUnion continues to report an outdated {$280.00} balance despite a {$160.00} payment applied before XX/XX/2025, leaving an accurate balance of {$240.00}. 
The accounts statement ( dated XX/XX/2025 ) and my current activity clearly reflect this. TransUnion is knowingly reporting inaccurate data. 

3. Misleading Dispute Remarks FCRA 1681e ( b ) : Multiple DEPTEDXXXX XXXX XXXXXXXX accounts are still labeled Dispute resolved consumer disagrees, even though those disputes have been resolved and the accounts are closed. 
This misrepresentation violates accuracy standards and misleads lenders. 

4. Unauthorized Hard Inquiries FCRA 604 ( a ) ( 3 ) : XXXX ( reported XX/XX/2025 ) XXXX XXXX ( reported XX/XX/2025 ) I never authorized these hard inquiries. They lack a permissible purpose under FCRA 604 ( a ) ( 3 ) and must be deleted immediately. 

5. Incorrect PenFed Reporting FCRA 1681e ( b ) & Metro 2 Violation : TransUnion lists me as an Authorized User on my XXXX XXXX XXXX XXXX ( ending XXXX ), but I am the Primary Account Holder. 
Theyre reporting an inflated balance of {$7600.00}, while my actual balance is {$3700.00} with a limit of approximately {$7500.00}. 
This falsely results in a 102 % utilization and grossly misrepresents both the account and my creditworthiness. 



TransUnions History of Sham Investigations : TransUnion has been previously sued by the CFPB for conducting sham investigations, failing to verify consumer disputes, and using automated, template-based responses. My experience mirrors this pattern. My dispute was never properly investigated, and TransUnion continues to report damaging inaccuracies. 



How did this affect me? 
Lowered credit scores due to falsely inflated utilization and outdated data. 
Denied financial opportunities and fair credit terms. 
Emotional distress and lost time fighting inaccurate information. 
Financial harm from reliance on misleading credit data.

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