Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint to dispute multiple inaccurate and unverifiable collection and charge-off accounts that are currently being reported on my TransUnion ( TU ) credit report. These accounts either reflect incorrect information, have not been validated by the furnishers, or contain data that violates the accuracy and completeness standards under the Fair Credit Reporting Act ( FCRA ). 

Despite prior attempts to address these issues directly with TransUnion and the creditors involved, the inaccurate information remains, negatively impacting my credit score, financial reputation, and access to fair credit opportunities. 

Accounts in Dispute XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXX Balance : {$19000.00} This account appears as charged off but is outdated and should have been removed under FCRA 605 ( a ) ( 4 ), which limits reporting to seven years. Continued reporting of this account violates FCRA time limitations. 

XXXX. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXX Balance : {$4900.00} The account reflects an inaccurate balance and status. No validation documents have been provided by the furnisher despite multiple disputes. The reporting status XXXX also be duplicative or misclassified as a charge-off when it is not. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( two entries ) Reported Dates : XX/XX/XXXX and XX/XX/XXXX Balances : {$5200.00}, {$4300.00}, and {$55000.00} Multiple accounts from the same furnisher ( XXXX XXXX XXXX ) appear with conflicting data and inflated balances. These likely represent duplicate or merged accounts being reported multiple times, artificially worsening my credit profile. TransUnion has not provided proof of validation as required by FCRA 611 ( a ). 

XXXX. XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX Reported Dates : XX/XX/XXXX and XX/XX/XXXX Balances : {$5200.00} and {$7800.00} Two similar accounts from the same creditor are being reported with different account numbers and inconsistent balances. This suggests potential double-reporting or data entry errors. The furnisher has not provided any documentation verifying the accuracy of these entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported Dates : XX/XX/XXXX and XX/XX/XXXX Balances : {$850.00} and {$280.00} These collection accounts are not associated with any known original creditor. I have not received any debt validation letters or supporting documentation as required by the Fair Debt Collection Practices Act ( FDCPA ), XXXX ( b ). These entries should be removed as unverifiable. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXX Balance : {$300.00} This account is inaccurately reported as a charge-off. It was a small personal account that has since been paid and closed in good standing. Continued charge-off reporting is misleading and violates FCRA accuracy provisions. 

The above-listed accounts exhibit the following issues : Duplicate entries for the same creditors ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unvalidated or unverifiable debts ( e.g., XXXX XXXX XXXX ). 
Outdated or time-barred reporting ( e.g., XXXX XXXX XXXX account ). 
Incorrect balance and status reporting, which causes harm to my credit profile. 
TransUnion has failed to perform a reasonable reinvestigation of these items as required by FCRA 611 ( a ), and the furnishers have not provided documentation proving the legitimacy or ownership of the debts.

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