Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding a sudden and unjustified XXXX XXXX XXXX drop by TransUnion, which occurred without any legitimate change in my credit profile and appears to be the result of improper allowance of disputed derogatory reporting by creditors currently under investigation. This occured in just the last 10 days or so after a recent approx XXXX pt increase on XX/XX/XXXX On or about today, I observed my TransUnion score fall from approximately XXXX to XXXX. TransUnion provided the following so-called reasons for the drop : The date that you opened your oldest account is too recent Lack of sufficient credit history Lack of sufficient relevant real estate account information You have too many delinquent or derogatory accounts These explanations are demonstrably false, misleading, and pretextual : No new accounts were opened. 
The age of my oldest account has not changed and could not suddenly become too recent. 

My credit history did not shorten or disappear. 
There has been no loss of accounts, no closures, and no changes that would justify a claim of insufficient credit history. 

Real estate account information is irrelevant and unchanged. 
XXXX sudden reliance on this factor is improper, as my credit profile has not changed in this regard and this factor was never previously cited. 

Any alleged delinquencies are disputed, improper, and under regulatory review. 
TransUnion is allowing XXXX XXXX and XXXX XXXX to report negative late payments while those accounts are : Actively disputed The subject of CFPB complaints The subject of Attorney General and federal regulatory complaints Mishandled by the creditors during billing disputes and investigations TransUnion is fully aware or should be aware that negative reporting during active disputes and regulatory investigations is improper. Instead of naming these accounts directly, TransUnion has concealed the true cause of the score drop behind vague, boilerplate factors. 

This score drop did not result from consumer behavior. It resulted from XXXX decision to permit disputed and improperly reported derogatory data to influence scoring, while refusing to transparently disclose that fact. 

This conduct is harmful and deceptive It damages my creditworthiness without justification It interferes with my ability to obtain housing, credit, and services It undermines the dispute process by penalizing consumers during investigations It violates the XXXX and purpose of the Fair Credit Reporting Act Supplemental Statement TransUnion Fraud Letter Misrepresentation In addition to the unjustified XXXX score drop, TransUnion has sent me a letter dated XX/XX/year>, referencing a supposed fraud resolution process and offering a free copy of my credit report. 

This letter is misleading and inappropriate. 

TransUnion does not identify : Any fraudulent account Any instance of identity theft Any unauthorized activity There is no identity theft involved in my case. The accounts at issue belong to known creditors ( including XXXX XXXX and XXXX XXXX  ) and have been the subject of formal disputes and regulatory complaints due to creditor mishandling. 

By reframing ongoing dispute-related inaccuracies as a fraud resolution issue, TransUnion is XXXX Evading its obligation to ensure maximum possible accuracy Shifting the burden to the consumer Failing to address known creditor misconduct Allowing continued harm while offering meaningless remedies such as a free credit report A free copy of my credit report does nothing to correct the active allowance of inaccurate derogatory reporting or the resulting XXXX XXXX damage. 

I have repeatedly informed TransUnion that these creditors mishandled disputes and are reporting misinformation during investigations. TransUnion has taken no corrective action, yet continues to send boilerplate letters describing what can be done instead of doing it. They continue to call my direct disputes XXXX their site frivilous in their letters and they refuse to take any personal accountability. 

I am requesting that regulators examine XXXX use of fraud-related correspondence as a deflection tactic to avoid enforcing accuracy requirements under the Fair Credit Reporting Act.

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