Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report inaccurate, unverified, and misleading information on my credit file, despite my formal disputes and requests for reinvestigation. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite submitting multiple disputes to TransUnion, the accounts listed below remain on my credit report, without any meaningful reinvestigation or verification. These accounts contain late payments, charge-offs, and a collection that do not reflect the full context of my financial situation or were never validated. 

XXXX. XXXX # XXXX * * Late Payments * * This account reflects late payments during a period of documented financial hardship. I reached out to the creditor requesting temporary relief due to medical and financial struggles but received no accommodation or update to the account. Reporting these lates without context is not only misleading but violates FCRA 1681e ( b ), which requires credit bureaus to maintain the maximum possible accuracy of information. 

XXXX. XXXX XXXX # XXXX * * Charge Off * * I never received a validation notice or communication prior to this account being marked as charged off. I was not given the opportunity to settle, dispute, or review the debt. Reporting such an item without notice or proof of obligation is in violation of both FDCPA 809 ( a ) and FCRA 1681b, which requires a permissible purpose for reporting derogatory data. 

XXXX. XXXX # XXXX * * Late Payments * * I had submitted a formal hardship request during the COVID-19 pandemic asking for payment relief. Instead of acknowledging my request, the creditor reported me as delinquent. This account was never updated with dispute remarks or payment accommodations, which violates FCRA 623 ( a ) ( 3 ) and XXXX XXXX compliance protocols for accurate dispute handling. 

XXXX. XXXX XXXX XXXX # XXXX * * Charge Off * * This charge-off account was never communicated to me. I did not receive any written notice or chance to verify the amount or terms before it was posted as a derogatory tradeline. TransUnion 's failure to ensure this item was accurate and verified is a violation of FCRA 1681i ( a ) ( 1 ) and FCRA 1681e ( b ). This entry has damaged my credit unfairly. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection I have no knowledge of this account, and I have never conducted business with XXXX XXXX XXXX XXXX has reported a collection account without validating the debt, and I never received any communication or itemization. This is a possible case of mistaken identity or inaccurate reporting, in violation of FDCPA 809 ( b ) and FCRA 1681e ( b ).

Requested Resolution : I am requesting that the CFPB hold TransUnion accountable for its failure to comply with federal law. 

I am demanding a full reinvestigation of all XXXX accounts listed. 

If TransUnion can not verify these items with documented proof, I am requesting their immediate removal from my credit file. 

I also request TransUnion be required to follow proper XXXX XXXX coding standards and reflect accounts as " in dispute '' when applicable. 

These inaccuracies have severely impacted my credit profile, affected my financial well-being, and limited my ability to access housing and credit. I am asking for your intervention to ensure these errors are resolved immediately and that TransUnion follows the law as required.

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