Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
Complaint Paragraph XXXX XXXX XXXX ( Account # XXXX, Opened XX/XX/XXXX ) TransUnion continues to report inaccurate and unverifiable information concerning my XXXX XXXX XXXX account ( # XXXX, opened XX/XX/XXXX ), showing a balance of {$3600.00} and a pay status of 30 days past due. This information remains inconsistent and in conflict across all three credit bureauXXXX XXXX and XXXX report different delinquency dates and statuses, while TransUnion alone continues to show a disputed remark with no substantiating evidence of accuracy. 

I have disputed this account multiple times directly with TransUnion and XXXX XXXX under 15 U.S.C. 1681i ( a ), yet I have never received any documentation, contracts, billing records, or verification materials supporting the accuracy of the reported data. TransUnion also failed to provide the required description of the method of verification as mandated under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Both TransUnion and XXXX XXXX actions violate 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( b ) ( failure of the furnisher to correct or verify disputed information ). 

Moreover, the account violates XXXX XXXX compliance fieldsincluding 17A ( Account Status ), 17B ( Payment Rating ), and Field 25 ( Compliance Condition Code ) by reporting inconsistently across the national credit bureaus. Despite repeated disputes and demands for validation, TransUnion continues to maintain this unverifiable entry on my report, resulting in financial harm and emotional distress.

Requested Relief : I am requesting that this account be immediately deleted from my TransUnion credit file unless XXXX XXXX provides full documentary proof of the alleged debt, including payment histories, contract details, and a verified certification of accuracy consistent across all credit reporting agencies. 



Complaint Paragraph XXXX XXXX XXXX  ( Account # XXXX, Opened XX/XX/XXXX ) TransUnion has also illegally reinserted a XXXX XXXX collection account serviced by XXXX XXXX ( Account # XXXX, opened XX/XX/XXXX ) after it was previously deleted following a formal dispute. I was never notified in writing within five business days of this reinsertion, nor did I receive any certification of accuracy from either the furnisher or TransUnion prior to its reappearance, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ).

The failure to notify me and to provide verification documentation is a clear statutory violation of the Fair Credit Reporting Act. TransUnion also failed to perform a lawful reinvestigation under 1681i ( a ) ( 1 ) and did not maintain reasonable procedures to ensure the accuracy of reinserted data under 1681e ( b ). This account, reported with a {$260.00} balance and Placed for Collection status, does not appear on either XXXX XXXX XXXX, confirming that the reinsertion is both inconsistent and nonstandard under the FCRA and XXXX XXXX Field XXXX ( Special Comment Code ) requirements. 

This unauthorized reinsertion without consumer notice or validation has caused serious confusion and harm to my credit profile and has undermined the integrity of TransUnions reporting process. 

Requested Relief : I demand the immediate and permanent deletion of the XXXX XXXXXXXX XXXX collection account from my TransUnion credit report due to failure to comply with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), failure to provide certification prior to reinsertion, and continued reporting of unverifiable data inconsistent with federal standards. 



Summary of Requested Outcome Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable or illegally reinserted information must be deleted. Both the XXXX XXXX XXXX and XXXX XXXX accounts have been repeatedly disputed, lack verification, and fail to meet FCRA compliance standards. TransUnions continued reporting of these accounts constitutes willful noncompliance ( 1681n ) and negligent noncompliance ( 1681o ).

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 explanation