Consumer complaint received 2025-06-04 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: CO

Complaint narrative:
TransUnion is reporting a number of charge-off and collection accounts that are inaccurate, misleading, and unverifiable. These include : XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX, with a balance of {$1400.00} ; multiple DEPTEDXXXX accounts ( ending in XXXXXXXX XXXX XXXX XXXX XXXX ) reported in XXXX with conflicting balances of {$1100.00}, {$1100.00}, and {$610.00} respectively ; XXXX XXXX XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX, showing {$58.00} ; XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX  ) reported XX/XX/XXXX, with a balance of {$6100.00} ; XXXX XXXX XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX, with a balance of {$760.00} ; XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) listed as of XX/XX/XXXX, with a balance of {$0.00} ; and XXXXXXXX XXXX  ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX, with {$820.00} owed. 

I am disputing the validity, accuracy, and completeness of these entries. Some show contradictory information such as duplicate student loan records with differing balances, while others are being reported with XXXX balances and yet still reflect negative account statuses such as collection or charge off. The presence of multiple old, duplicate, or XXXX  accounts that are still negatively impacting my credit profile raises red flags. Not only are these entries inconsistent and unverifiable, but they also suggest possible mishandling of my personal datalikely stemming from a data breach or unauthorized access, a growing and well-documented issue in consumer credit reporting.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation of any disputed information and to do so within 30 days. If the information can not be verified using original source documentation, it must be corrected or deleted in accordance with 15 U.S.C. 1681i ( a ) ( 5 ). Moreover, the continued reporting of unverifiable or incorrect data is a violation of my rights as a consumer and is deeply harmful. My financial integrity and reputation are being unfairly compromised, and these inaccuracies are creating barriers to essential opportunities such as employment, housing, and fair credit access.

This situation has been emotionally draining and financially detrimental. These errorsmany of which date back over a decadeshould have either aged off my credit report or should never have been reported in the first place, especially when the accuracy can not be proven. The continued presence of erroneous, outdated, or inconsistent information is unacceptable and falls short of federal compliance standards.

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