Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because TransUnion is reporting multiple accounts with serious inaccuracies that are harmful to my credit profile and in direct violation of the Fair Credit Reporting Act. The first disputed account is XXXX XXXX with a high balance of {$680.00} and an opening date of XX/XX/XXXX, which is being reported with late payments that I do not recognize and have never received valid documentation for. This negative reporting is unverifiable, misleading, and unlawful under FCRA 602 ( A ) and 607 ( B ) because the bureau is required to ensure maximum accuracy and can not continue to publish information that lacks full verification. The second disputed account is XXXX XXXX with a high balance of {$770.00} and an opening date of XX/XX/XXXX, which is also showing late payments that are not accurate. I have requested verification but neither the furnisher nor the bureau has provided any legal validation of these claims, and under FCRA 611 ( a ) this item must be corrected or deleted when challenged by the consumer if it can not be proven. Continuing to report unverifiable late payment data is not only harmful but also a reckless disregard of my rights. The third account being disputed is XXXX XXXXXXXX with a high balance of {$720.00} and an opening date of XX/XX/XXXX, where late payments are being reported inaccurately. This is another example of TransUnion failing to comply with federal law, because the FCRA clearly requires that all information furnished must be accurate, complete, and capable of verification. The absence of proper proof means that these negative marks can not legally remain on my credit report. 

The continued reporting of these accounts without proper verification is a direct violation of FCRA 602 ( A ) which emphasizes the importance of fairness, accuracy, and reliability of credit reporting, and FCRA 607 ( B ) which mandates consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. By refusing to delete or correct these inaccurate entries despite my disputes, TransUnion is acting in violation of FCRA 611 ( a ), which requires a full reinvestigation of any disputed information and deletion of unverifiable data. These violations are not minor errors but serious infractions that damage my creditworthiness, limit my financial opportunities, and cause me unnecessary distress. 

I am demanding that the Consumer Financial Protection Bureau take immediate action to enforce compliance, ensure these accounts are removed from my report, and hold TransUnion accountable for violating my rights under federal law. If TransUnion continues to report unverifiable negative accounts such as XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXXXXXX, it is clear evidence of willful noncompliance under FCRA 616 and 617, which entitles me to relief and damages. My complaint is based on the fact that no legitimate documentation has been provided to substantiate these negative claims, and under the law they can not remain on my credit profile. I respectfully request that the CFPB intervene, enforce the deletion of these inaccurate accounts, and require TransUnion to provide me with a corrected credit file.

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