Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
To Whom It May Concern I am filing this complaint against TransUnion for its continued reporting of inaccurate, unverifiable, and outdated information on my credit report, despite multiple attempts to dispute these items directly with the credit bureau. These accounts are causing significant harm to my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( b ), XXXX, and XXXX Below is a list of the accounts in question along with the nature of each dispute : XXXX # XXXX * * * * Reporting late payments on an old account without validation, documentation, or current activity. This is misleading and unverifiable XXXX # XXXX * * * * Reporting multiple late payments without any billing statement or proof of obligation. The information is not validated and violates the accuracy provision of the FCRA XXXX  # XXXX  * * * * A {$0.00} balance account is still showing late payments. Reporting negative information on a paid or settled account is inaccurate and misleading XXXXXXXX XXXX # XXXX * * * * Late payments are being reported without proper verification or proof of delinquency XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX * * * * This is a collection account with no documentation showing legal right to collect or assignment of debt XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX * * * * This debt collector has failed to provide proper validation or legal documentation to support the reported balance XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX * * * * No documentation has been provided from either the original creditor or the collector to verify this debt XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX * * * * This collection is reported with no validation or proof of debt. It appears to be unverifiable and improperly assigned XXXX # XXXX * * * * Charged-off account with no notice of charge-off, itemization of balance, or proof of contractual obligation XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Reported as a collection account without any legal documentation showing transfer of debt or original contract I have made efforts to dispute these items directly with TransUnion and requested proper investigation and validation under XXXX. However, TransUnion has either failed to respond adequately or continued reporting these items without furnishing me any supporting documentation. This is not only a violation of the FCRA but is also unethical and negligent reporting I request that the CFPB investigate TransUnion for willful noncompliance with the FCRA, compel them to delete these unverifiable and inaccurate accounts, and ensure that they fulfill their duty to maintain accurate consumer reporting under federal law.

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