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: NC

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX accounts being reported inaccurately and inconsistently on my credit reports. These accounts appear on TransUnion, XX/XX/XXXX, and XX/XX/XXXX with major discrepancies, conflicting dates, and unverifiable information. 

I have attempted to dispute these accounts directly with the credit bureaus, but the bureaus simply marked the items as verified or account not disputed without conducting a reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ). 
XXXX. All XXXX accounts contain major conflicting information between the bureaus For each XX/XX/XXXXaccount, the following information differs between TransUnion, XX/XX/XXXX, and XX/XX/XXXX: Account status ( reported as open on TU but closed/charged off on XXXX and XXXX ) Date of Last Activity ( all XX/XX/XXXX bureaus show different dates for the same account ) Date Reported High balance / Original charge-off amount Credit limit ( TU shows limits ; XX/XX/XXXX shows {$0.00} ; XX/XX/XXXX shows inconsistent limits ) Closed date Creditor remarks ( each bureau reports different remarks ) Payment history ( missing or incomplete on some bureaus ) These inconsistencies violate FCRA XXXX ( b ), which requires all credit reporting to be accurate and consistent. 



XXXX. None of the XXXX XXXX XXXX accounts are marked as disputed All XX/XX/XXXX bureaus list : Account not disputed. 

This is false, because I initiated disputes online and through written disputes. 
Failing to update the dispute notation violates : FCRA XXXX ( a ) ( XXXX ) ( duty to report accurate dispute information ) FCRA XXXX ( b ) ( duty to investigate and update reporting ) This is a serious violation because it affects my credit score and how lenders interpret these accounts. 



XXXX. Improper re-aging of the accounts Each account shows a different Date of Last Activity / Date of First Delinquency across TransUnion,XX/XX/XXXX and XX/XX/XXXX 
For example : XXXX bureau shows aXX/XX/XXXX of XXXX Another shows XXXX Another shows XXXX This appears to be illegal re-aging, which violates : FCRA XXXX ( a ) ( XXXX ) furnishers must report the correct XX/XX/XXXX FCRA XXXX ( a ) re-aging can extend reporting beyond XX/XX/XXXXyears XXXX. Furnisher did not provide proper validation or documentation In every dispute, the bureaus responded verified, but no documentation was provided to support the validity of the accounts. 

This violates : FCRA XXXX ( a ) ( XXXX ) right to reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) right to Method of Verification FCRA XXXX ( a ) ( XXXX ) requirement to delete unverifiable accounts I requested verification, but the bureaus did not provide : The name of the person who verified the account The method used Any documentation from XX/XX/XXXXXXXX Any proof supporting the reported dates or balances This indicates that no real investigation took place. 



XXXX. Reporting open status on charge-off accounts is incorrect The accounts are reported as : OPEN on TransUnion CLOSED / charged off on XX/XX/XXXX & XX/XX/XXXXA charged-off account can not be legally reported as open and still accruing past due amounts. This violates credit reporting standards, including Metro 2 guidelines, and is misleading to lenders.

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