Consumer complaint received 2026-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint against TransUnion regarding multiple inaccurate and unverified charge-off accounts that continue to be reported on my credit file despite six separate disputes. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ), TransUnion must conduct a reasonable reinvestigation of disputed information and delete information that can not be verified. The following accounts are being reported as charge-offs and are disputed in their entirety : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX | Balance Owed : {$0.00} I have disputed these accounts multiple times and requested proper verification. However, TransUnion continues to report them without providing any competent documentary evidence proving that these accounts belong to me or that the information being reported is accurate. TransUnion has failed to provide copies of signed applications, promissory notes, payment histories, ownership records, or any other documentation supporting the continued reporting of these accounts. Their continued reporting of unverified information raises serious concerns regarding compliance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive the name, address, and telephone number of any furnisher contacted during the investigation. Under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to a description of the procedures used to determine the accuracy and completeness of the disputed information. TransUnion has failed to provide this information despite repeated disputes. The continued reporting of these unverified charge-off accounts has caused significant harm to my credit profile, reduced my creditworthiness, and negatively impacted my ability to obtain credit on fair terms. Because these accounts remain unverified after multiple disputes, I believe TransUnion is violating its obligations under the Fair Credit Reporting Act by continuing to report inaccurate and unverified information. I respectfully request CFPB intervention to ensure compliance with federal law and to protect my consumer rights.

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