Consumer complaint received 2025-09-13 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: MD

Complaint narrative:
I am filing this complaint because TransUnion continues to report several inaccurate and unverifiable accounts on my credit file, and despite previous disputes, these accounts remain without proper validation or correction. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to fair, accurate, and verifiable reporting. The accounts listed below are still being reported inaccurately and have caused ongoing harm to my credit and financial stability. 

The first account is XXXX XXXX XXXX XXXX XXXX XXXX, reported as opened on XX/XX/XXXX with a balance of {$1000.00} and marked with late payments. I have repeatedly disputed this account because no proper validation has been provided to prove these alleged late payments. Reporting late payments without evidence is a violation of the FCRA, as incomplete and unverifiable information can not be maintained on a credit file. 

The second account is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, reported as opened on XX/XX/XXXX with a balance of {$0.00}, yet it continues to show late payments. Reporting an account with a XXXX balance as derogatory is misleading and inaccurate. I have requested validation of this information, but none has been produced. 

The third account is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, reported as opened on XX/XX/XXXX with a balance of {$8000.00} and listed as a charge off. I dispute this account because the creditor has not provided evidence that I am legally responsible for this debt or that the charge off was properly executed. TransUnion continues to report this information without validation, which is a clear violation of my rights under FCRA Sections 609 and 611. 

The fourth account is XXXX XXXX XXXX XXXX XXXX, reported as opened on XX/XX/XXXX with a balance of {$1700.00} and listed as a collection. I have never received validation or notice for this account as required by law. Reporting this account without providing proper verification is a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). Despite disputing this account, TransUnion continues to report it inaccurately. 

The fifth account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reported as opened on XX/XX/XXXX with a balance of {$0.00} and marked as a charge off. It is contradictory and misleading to report a charge off on an account that reflects a XXXX balance. No proper documentation has been provided to validate this reporting, yet TransUnion continues to keep this inaccurate account on my file. 

These inaccurate reports are damaging my creditworthiness and violating my consumer rights. I have exercised my rights to dispute these accounts, but TransUnion has failed to provide proper validation or to delete unverifiable information. I am requesting that the Consumer Financial Protection Bureau step in to ensure compliance with federal law and to compel TransUnion to delete these accounts immediately if they can not be fully validated with complete, accurate documentation.

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