Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
Complaint Against : TransUnion and Experian Furnisher : XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Date : XX/XX/year> Dear CFPB, I am filing this complaint to dispute the continued inaccurate and inconsistent reporting of a collection account from XXXX, with the original creditor listed as XXXX XXXX XXXX XXXX XXXX XXXX, on my TransUnion and Experian credit reports. Despite prior disputes, the information remains unverifiable and materially inconsistent across bureaus, negatively impacting my credit profile. 

Discrepancies and Violations : 1. Inconsistent Date Opened TransUnion reports : XX/XX/year> Experian reports : XX/XX/year> This discrepancy raises accuracy concerns about the accounts origin and reporting date, both of which affect account aging and scoring metrics. 

FCRA 623 ( a ) ( 2 ) : Duty to correct and update information.

2. Unjustified Date Last Active TransUnion : XX/XX/year> Experian : XX/XX/year> There has been no payment or consumer-initiated activity to justify these active dates, and they appear designed to artificially re-age the account, impacting credit score algorithms.

FCRA 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy. 
FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

3. Lack of Validation After Prior Dispute This account has been previously disputed with both bureaus. To date, neither bureau nor the furnisher has provided verifiable documentation supporting the reported debt, balance, or dates. Yet, the account remains on file with unchanged derogatory indicators.

FCRA 611 ( a ) ( 1 ) ( A ) : Information must be removed if not verified within a reasonable time. 
FCRA 611 ( a ) ( 5 ) ( A ) : Results of reinvestigation must be clearly disclosed and corrected where appropriate. 

Reference to Regulatory Enforcement I would also like to cite the CFPB enforcement action against Equifax, which was ordered to pay {$15.00} million for failing to properly investigate consumer disputes and for continuing to report inaccurate data exactly the pattern now demonstrated by both TransUnion and Experian. 

If TransUnion or Experian are found to have engaged in similar practices, this represents willful noncompliance with federal law and necessitates immediate intervention. 

Requested Resolution : 1. Immediate deletion of this account from both TransUnion and Experian due to failure to verify and continued reporting of disputed and inconsistent data. 
2. If the account is to remain, I request official documentation from the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) verifying the debt, opening date, and activity dates. 
XXXX. Uniform correction across all credit bureaus if substantiated, to prevent further credit damage due to bureau-to-bureau discrepancies. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX

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