Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for grossly inaccurate, misleading, and harmful information being reported on my credit profile in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite repeated attempts to correct these errors, TransUnion continues to furnish and verify inaccurate data, severely damaging my creditworthiness and quality of life. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate TransUnions failure to meet its legal obligations and demand full removal of all erroneous data. 
Account : XXXX | Acct # : XXXXXXXX XXXX XXXX  | High Balance : {$530.00} | Date Opened : XX/XX/XXXX | Status : Charge Off * * Issue : This account is being inaccurately reported as a charge-off despite unresolved disputes. The furnisher has not validated the debt under 15 U.S.C 1681i ( a ). Reporting a charge-off without proper validation constitutes willful negligence.

Law Violated : FCRA 1681i ( a ) Failure to conduct reasonable reinvestigation Story : I have repeatedly requested validation and reinvestigation, yet TransUnion continues to report this derogatory charge-off without correcting or removing it. This account is causing serious harm to my credit score and is unverifiable based on documentation provided. 
Account : XXXXXXXX XXXX XXXX  Acct # : XXXX | High Balance : {$19000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment * * Issue : This account reflects multiple late payments that I have disputed as inaccurate. TransUnion has failed to provide evidence of due process or accurate payment records. 
Law Violated : FCRA 1681s-2 ( b ) Failure of the furnisher to investigate and report accurate information Story : I have never received proper notice of these alleged late payments, nor has XXXXXXXX XXXX XXXXrovided documented proof to justify these derogatory marks. TransUnion continues to allow harmful information to remain despite my formal dispute filings. This is damaging my ability to secure credit and employment opportunities. 
TransUnion 's Ongoing Violations : TransUnion has a legal obligation to ensure the maximum possible accuracy of the information they report under FCRA 1681e ( b ). They are also obligated to reinvestigate consumer disputes within 30 days under FCRA 1681i ( a ). TransUnions failure to delete or correct these accountsdespite no proper validation or verificationshows gross negligence, if not willful noncompliance. 
My rights as a consumer are being ignored. The continued reporting of false and harmful information is not only unethical but illegal. I am requesting the CFPB to hold TransUnion accountable, demand they delete all inaccurate and unverifiable data, and impose any applicable penalties. 
Requested Resolution : Immediate deletion of all inaccurate and unverified accounts listed above Full reinvestigation with proof from original furnishers Written confirmation of actions taken Sanctions and monitoring for TransUnions continued noncompliance I respectfully urge the CFPB to step in and ensure my rights under federal law are enforced. I am suffering real and measurable harm due to TransUnions misconduct.

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