Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX | Email : XXXX Last XXXX SSN : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, IA XXXX RE : Formal Complaint Against TransUnion for Willful and Negligent Violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Reporting Guidelines File XXXX  XXXX Demand for Immediate Investigation and Statutory Damages Dear CFPB Examiners, I am filing this formal complaint against TransUnion LLC ( TransUnion ) for multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). TransUnion has failed to maintain reasonable procedures to ensure maximum possible accuracy of my credit report, failed to conduct a reasonable reinvestigation of disputed items, and continues to report patently inaccurate, incomplete, and misleading information in violation of industry-standard XXXX XXXX XXXX guidelines published by the XXXX XXXX XXXX XXXX XXXX XXXX ). These violations have caused me actual harm, including denied credit opportunities, higher interest rates, emotional distress, and wasted time and resources. 
Background and Original Dispute On XX/XX/XXXX, I submitted a detailed dispute letter to TransUnion ( attached as Exhibit XXXX  : " XXXX.XXXX  '' ) via certified mail, demanding a XXXXday expedited reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ). The dispute was based on my TransUnion credit report dated XX/XX/XXXX ( File XXXX XXXX, attached as Exhibit XXXX  : " TransUnion Credit XXXX '' ), which contained the following verifiable inaccuracies : XXXX XXXX  ( Pages XXXX of TransUnion Report ) : Reported as charged off in XX/XX/XXXX, yet shows XXXXday late payments AFTER the charge-off date. This is impossible and inaccurate. 
XXXX reported as {$450.00} ( only 3.46 % utilization ), but the account is marked negative despite this low balance, misleadingly implying ongoing delinquency. 
Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

XXXX XXXX XXXX ( Account Status and Payment History ) : Prohibits reporting late payments after an account reaches " XXXX '' ( charge-off ) status. Late payments must cease upon charge-off to avoid double-penalty reporting. TransUnion 's continued reporting of post-charge-off lates is a direct breach of these guidelines, rendering the information inaccurate and unverifiable. 

This inaccuracy is further evidenced by its negative reflection in third-party services like XXXX XXXX XXXX which pulls from TransUnion data XXXX 

XXXX XXXX XXXX XXXXXXXX : Shows late payments after charge-off. 
Violations : XXXX XXXX XXXX : No late payments permissible post-charge-off. This is a textbook inaccurate reporting practice that TransUnion has failed to correct. 

XXXX XXXX XXXX ( Accounts XXXX XXXX and XXXX XXXX ) : Duplicate reporting of the same debt, inflating negative items and misleading potential creditors. 
Violations : FCRA 1681e ( b ) : Inaccurate and duplicative information violates accuracy requirements. XXXX XXXX XXXX ( XXXX XXXX ) : Furnishers must not report the same account multiple times ; CRAs like TransUnion must detect and suppress duplicates. 

XXXX XXXX ( Account XXXX XXXXXXXX ) : XXXX-reported under variations of the same account, further XXXX  negatives. 
Violations : FCRA 1681e ( b ) and XXXX XXXX XXXX : Multi-reporting of identical obligations is inaccurate and prohibited. 

Unnamed Charge-Off ( {$2000.00} Balance ) : Reported without any creditor name or verifiable details, making it impossible to identify or dispute effectively. 
Violations : FCRA 1681e ( b ) : Incomplete information fails the " maximum possible accuracy '' standard. XXXX XXXX XXXX ( Required Fields ) : All accounts must include identifiable creditor information ; anonymous reporting is non-compliant. 


In my dispute, I demanded immediate deletion of these items and provided proof of identity ( driver 's license and utility bill ). I also requested verifiable documentation from furnishers, including original signed contracts, full payment histories, and evidence supporting post-charge-off latesnone of which TransUnion has provided. 
TransUnion 's Failure to Act Despite my explicit demand for a XXXXday expedited reinvestigation, TransUnion has not responded, corrected, or deleted any disputed items as of today 's datewell beyond the FCRA 's XXXXday reinvestigation deadline under 1681i ( a ) ( 1 ) ( A ). This constitutes a willful failure to investigate, as TransUnion routinely ignores consumer disputes and XXXX XXXX guidelines to favor furnishers. Under 1681i ( a ) ( 2 ), TransUnion was required to notify furnishers ( e.g., XXXX, XXXX  XXXX, XXXX, XXXX ) within XXXX business days of my dispute and obtain verification or delete the items. Their inaction is negligent at best and willful at worst, especially given the clear XXXX XXXX violations that make these items unverifiable. 
Moreover, TransUnion 's procedures are unreasonable under 1681e ( b ), as they allow non-compliant XXXX XXXX data to persist. The XXXX 's XXXX XXXX format is the industry standard, and courts have repeatedly held that deviations ( e.g., post-charge-off lates ) render reports inaccurate ( see, e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Evidence from Other Credit Bureaus To demonstrate the inaccuracies and TransUnion 's isolated non-compliance, I attach recent reports from XXXX  and XXXX  : XXXX Report ( Dated XX/XX/XXXX, attached as Exhibit XXXX  : " XXXX XXXX Report ( XXXX  ) XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) .PDF '' ) : Shows NO collections, NO public records, and NO inquiries. 
Only XXXX negative item : XXXX XXXX XXXX ( not disputed here ). 
XXXX  Score XXXX : XXXX ( XXXX ). Revolving utilization : 0 %. This clean report contrasts sharply with TransUnion 's, proving the disputed items are unverifiable or XXXX  has either corrected or never reported them in violation of XXXX XXXX. 

XXXX  Report ( Dated XX/XX/XXXX, attached as Exhibit XXXX  : " XXXX '' ) : XXXX accounts, XXXX XXXX XXXX, XXXX hard inquiries. 
Shows a charged-off account ( XXXXXXXX XXXX ) with pre-charge-off XXXX only ( e.g., XX/XX/XXXX days in XXXX XXXX, charge-off XX/XX/XXXX ) NO post-charge-off lates, complying with XXXX XXXX XXXX. 
No duplicates or unnamed charge-offs. Personal statement : " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' This proper reporting by XXXX  highlights TransUnion 's willful inaccuracies. 


These discrepancies across bureaus underscore TransUnion 's failure to ensure accuracy, as required by FCRA. If the information is verifiable, why do XXXX  and XXXX  report it correctly ( or not at all )? 
Harm and Demands TransUnion 's violations have caused me tangible harm : lowered XXXX XXXX ( preventing loan approvals ), financial losses ( e.g., higher rates on existing credit ), and non-economic damages ( stress, XXXX  ). I demand : Immediate CFPB investigation into TransUnion 's practices. 
Deletion of all disputed items from my TransUnion report. 
Statutory damages up to {$1000.00} per willful violation under 1681n, plus actual damages, punitive damages, and attorney fees ( if I retain counsel ). 
An order requiring TransUnion to adopt XXXX XXXXcompliant procedures. 
Any other relief the CFPB deems appropriate. 

I authorize the CFPB to share this complaint with TransUnion and request a full response within XXXX  days. All communications should be in writing. 
Enclosed : Exhibit XXXX  : Original Dispute Letter ( Numatransunion.docx ) Exhibit XXXX  : TransUnion Credit Report ( TransUnion XXXX XXXX ) Exhibit XXXX  : XXXX  Credit Report ( XXXX XXXX Report ( XXXX  ) XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) .PDF ) Exhibit XXXX  : XXXX  Credit Report ( XXXX ) Proof of Identity ( Driver 's License and Utility Bill, as previously submitted ) Sincerely, XXXX XXXX XXXX XXXX

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