Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against TransUnion LLC for their continued failure to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, by reporting inaccurate, incomplete, and unverifiable information on my consumer credit report.

Despite multiple attempts to resolve these errors directly with TransUnion, they have failed to perform a reasonable investigation as required by 15 U.S.C. 1681i, and they continue to report the following derogatory and misleading accounts that are causing me severe financial and emotional distress.

Accounts in Dispute and Legal Basis for Removal or Correction : 1. XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Issue : Charged Off o High Balance : {$1700.00} o Date Opened : XX/XX/XXXX o Violation : This account is being reported with derogatory status without providing proper validation or a detailed breakdown of the charge-off amount. Reporting a charge-off without verifying its accuracy is a violation of 15 U.S.C. 1681e ( b ) ( requirement for maximum possible accuracy ). Additionally, I never received a proper notice of charge-off or right to dispute. 
2. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Issue : Late Payments o High Balance : {$28000.00} o Date Opened : XX/XX/XXXX o Violation : This account reflects multiple late payments that I have disputed repeatedly due to identity theft concerns and payment discrepancies. TransUnion failed to conduct a reasonable investigation and continues to report inaccurate payment history. This is in violation of 15 U.S.C. 1681i ( a ) ( failure to reinvestigate disputed information ). 
XXXX. XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  o Issue : Charge Off o High Balance : {$5300.00} o Date Opened : XX/XX/XXXXXXXX  o Violation : The charged-off status is incorrect and misleading. I requested validation and breakdown of this debt multiple times. TransUnion continues to publish this derogatory entry without verifying the original creditor information and final billing statements. This violates 15 U.S.C. 1681s-2 ( b ) ( duty of furnishers to investigate and correct inaccurate information ). 
Additional Violations and Concerns : TransUnion has failed to maintain reasonable procedures to assure maximum possible accuracy of my consumer file under 15 U.S.C. 1681e ( b ). 
I submitted multiple written disputes to TransUnion, but the agency did not conduct a thorough investigation or remove outdated/unverified accounts, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
I did not receive proper written notice of reinvestigation results or information from the data furnishers as required by 15 U.S.C. 1681i ( a ) ( 6 ). 
Impact on My Life : These inaccurate and harmful entries have significantly impacted my creditworthiness. I have been denied essential credit, faced higher insurance premiums, and suffered from emotional stress. I am trying to rebuild my financial standing, and TransUnion 's failure to correct these harmful inaccuracies is obstructing my ability to move forward. 
Resolution Requested : I respectfully request that the CFPB investigate TransUnions willful and negligent violations of the FCRA and require them to : 1. Immediately delete or correct the disputed accounts listed above.

2. Provide complete investigation records and verification documents from the furnishers of these accounts.

3. Ensure full compliance with all FCRA provisions going forward. 
Thank you for your attention and support in resolving this matter. I trust that the CFPB will ensure my rights under the law are upheld.

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