Consumer complaint received 2025-07-28 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: VA

Complaint narrative:
FTC COMPLAINT FCRA VIOLATIONS : TRANSUNION LLC AND DATA FURNISHERS REPORTING INACCURATE, UNVERIFIED, OR UNAUTHORIZED ACCOUNTS Complainant : Name : XXXX XXXX XXXX XXXX. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX XXXX : Male Race : XXXX or XXXX American Ethnicity : Not XXXX or XXXX Companies Involved : - TransUnion LLC Consumer Reporting Division XXXX. XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX  ) Summary of Problematic Accounts ( Reported to TransUnion ) : XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX Est. Removal Date : XX/XX/XXXX Issue : Disputed as inaccurate and unverifiable. TransUnion marked it " verified '' and added or changed information such as payment dates and remarks without providing documentation. No contract, billing, or chain of assignment produced. Likely verified via automated ACDV ( e-OSCAR ) without human review, violating FCRA 1681i and 1681e ( b ). 

XXXX XXXX XXXX ( direct charge-off ) Account # : XXXX Issue : Still reporting on TransUnion as a separate charge-off. No contract or payment history provided after dispute. Possibly duplicate with XXXX. XXXX is inaccurate and unverifiable. 

XXXX. XXXX XXXXXXXX XXXX  Account # : XXXX Issue : Charged-off and disputed. No response with documentation from TransUnion or the creditor. No signed contract, billing history, or validation of amount. No proof of permissible purpose. 

XXXX. XXXX XXXXXXXX XXXX Account # : XXXX Original Creditor : XXXX XXXX XXXX  Balance : {$110.00} Date Opened : XX/XX/XXXX Est. Removal : XXXX/XXXX Issue : Debt never validated. No contract, claim statement, or proof of service. No documentation produced to verify or prove authorization to report this information. 

What I Requested from TransUnion After Dispute Results : I requested full disclosure of the method of verification under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), including : - Detailed explanation of the reinvestigation process ; - Whether automated ACDV/e-OSCAR systems were used ; - Copies of all documents used to verify each account, including original signed agreements, billing statements, and chain of assignment ; - Identity of the data furnisher who verified each account ; - Any internal notes or logs related to my disputes. 

I demanded deletion of any item that could not be substantiated with original documentation. No documentation was provided. 

Resolution Requested : - Immediate deletion of all disputed accounts unless legally sufficient verification documents are produced ; - FTC review and enforcement action against TransUnion and furnishers for failure to follow reinvestigation procedures ; - Referral to the CFPB and Virginia Attorney General for further investigation ; - Civil penalties and corrective actions under FCRA 1681i, 1681e ( b ), and 1681s-2.

Consumer Impact Statement : I have experienced harm to my credit standing and lost financial opportunities due to these inaccurate and unverified accounts. Despite disputing them, TransUnion and the furnishers used automated systems to verify data without documentation or meaningful human review. These practices violate federal law and have a disproportionate impact on consumers like me. I am requesting immediate regulatory intervention and relief.

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