Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because I have disputed several inaccurate items on my credit reports multiple times, and the credit bureaus and furnishers have not corrected them. This is now my third attempt to get these errors fixed. The information being reported is inconsistent, unverifiable, and is hurting my credit.

Even after previous disputes, the same issues continue to appear across all three credit bureaus. The information does not match from bureau to bureau, and the dates, balances, and account details keep changing. This makes me believe the data is not being properly verified as required by the Fair Credit Reporting Act. 

1. XXXX XXXX XXXX Account Number : XXXX Reported Status : Derogatory / Charge-off Reported Balance : {$500.00} Inaccuracies Noted : Reporting inconsistent credit limits and high credit values across bureaus ( TransUnion : {$500.00} / {$300.00} ; XXXX  : {$0.00} / {$300.00} ; XXXX  : {$120.00} / {$0.00} ). 
Conflicting dates of last activity and payment : each bureau lists different months for XXXX. 
Account marked as charged-off and closed by credit grantor despite being disputed and reported as such by subscriber.

These discrepancies make the account unverifiable under FCRA 1681e ( b ).

________________________________________ 2. XXXX XXXX XXXX Account # XXXX Reported Status : Derogatory / Collection / Charge-off Reported Balance : {$570.00} Inaccuracies Noted : Credit limit and high credit differ by bureau ( TransUnion : {$570.00} / {$300.00} ; XXXX  : {$0.00} / {$300.00} ; XXXX  : {$570.00} / {$0.00} ). 
Inconsistent last activity and payment dates ( TransUnion : XX/XX/XXXX / XX/XX/XXXX ; XXXX  : XX/XX/XXXX / XX/XX/XXXX ; XXXX  : XX/XX/XXXX / XX/XX/XXXX ). 
Reporting charged-off and consumer disputes account simultaneously, creating contradictory status entries. 
________________________________________ 3. XXXX XXXX XXXX Account # XXXX Reported Status : Derogatory / Collection / Charge-off Reported Balance : {$1000.00} Inaccuracies Noted : Credit limit and high credit mismatch across bureaus ( TransUnion : {$1000.00} / {$700.00} ; XXXX  : {$0.00} / {$700.00} ; XXXX  : {$1000.00} / {$0.00} ). 
Different last reported and last payment dates across bureaus ( TransUnion : XX/XX/XXXX / XX/XX/XXXX ; XXXX  : XX/XX/XXXX / XX/XX/XXXX ; XXXX  : XX/XX/XXXX / XX/XX/XXXX ). 
Multiple contradictory comments ( account information disputed, charged off, unpaid balance reported as loss ) make the data unreliable and unverifiable.

________________________________________ 4. XXXX XXXX XXXX Account Number : XXXX Reported Status : Derogatory / Charge-off Reported Balance : {$16000.00} Inaccuracies Noted : Different last reported dates ( TransUnion : XX/XX/XXXX ; XXXX  : XX/XX/XXXX ). 
Inconsistent date last active between bureaus ( TransUnion : XX/XX/XXXX ; XXXX  : XX/XX/XXXX ). 
Comments conflict with reported status, stating dispute resolved and unpaid balance reported as loss, which can not both be correct.

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