Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Company : TransUnion LLC Issue Type : Incorrect information on credit report Product : Credit reporting Account Status : Closed / Charged Off Account Number : # XXXX TransUnion failed to conduct a lawful reinvestigation under the Fair Credit Reporting Act. Despite receiving a sworn affidavit, complete payment history, and documentary evidence, TransUnion ignored the evidence, altered verified payment history with false Unknown/X codes, failed to address illegal re-aging, did not provide a XXXX of XXXX XXXX and continued reporting unverifiable information. 

Detailed Description I am submitting this complaint regarding TransUnions handling of my dispute concerning a closed, charged-off account ( Account # XXXX ). 

On XX/XX/XXXX, I submitted a comprehensive dispute packet to TransUnion via certified mail. The packet included a sworn affidavit, full documented payment history through XX/XX/XXXX, ledger evidence demonstrating non-consumer account activity in XXXX consistent with illegal re-aging, and a formal request for human review. 

TransUnion completed a reinvestigation but failed to consider or address the evidence provided. Instead, TransUnion updated the tradeline by replacing verified payment history with false Unknown/X payment codes, did not address the Date of First Delinquency, did not investigate or correct the documented re-aging activity, and did not provide the required Method of Verification explaining how the account was verified. 

The reinvestigation results directly contradict the evidence submitted. XXXX  and XXXX  have removed the same tradeline as unverifiable, further confirming that the information can not be lawfully verified. 

After receiving TransUnions deficient response, I contacted TransUnion by phone to document the procedural failures. The representative confirmed that my statements regarding ignored evidence, false payment history, re-aging, and lack of verification were entered into my file. I then assembled and sent a second, expanded evidence packet via certified mail, including proof of the original submission and TransUnions noncompliance. 

TransUnions conduct reflects multiple violations of the Fair Credit Reporting Act, including failure to conduct a reasonable investigation, failure to assure maximum possible accuracy, failure to provide a Method of Verification, and failure to delete unverifiable information. 

Specific Issues Identified Failure to review and consider consumer-provided evidence ( FCRA 611 ( a ) ( 4 ) ) Failure to forward relevant information to the furnisher ( FCRA 611 ( a ) ( 2 ) ( A ) ) Reporting false and inaccurate payment history ( Unknown/X codes ) after receiving verified records ( FCRA 607 ( b ) ) Failure to investigate or correct illegal re-aging and missing/incorrect Date of First Delinquency ( FCRA 623 ( a ) ( 5 ) ) Failure to provide a Method of Verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ) Failure to delete unverifiable information ( FCRA 611 ( a ) ( 5 ) ( A ) ) Attachments I am providing a single, organized PDF evidence packet that includes : Sworn affidavit Complete payment history Re-aging ledger documentation Original and follow-up dispute correspondence TransUnion reinvestigation results Certified mail proof and delivery confirmation Photographs documenting prior evidence submission Additionally, I have also included my current credit reports from all three bureaus ; providing proof that both XXXX  and XXXX  have already deleted these.

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