Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I am submitting this complaint against TRANSUNION for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related federal consumer protection laws. Despite multiple prior disputes, TRANSUNION continues to report erroneous, unverifiable, and contradictory information across several tradelines. TRANSUNION has failed to comply with its statutory obligations under 1681e ( b ) ( maximum possible accuracy ) and 1681i ( reasonable reinvestigation ).

Disputed Accounts : XXXX Acct # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$480000.00} This mortgage tradeline reflects late payments between XX/XX/XXXX and XX/XX/XXXX that are not supported by any Notice of Default, acceleration letter, or original creditor documentation. Given the high balance, greater diligence was required, yet TRANSUNION continues publishing unverifiable derogatories. 

XXXX XXXX Acct # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$2100.00} TRANSUNION is reporting numerous late payments between XX/XX/XXXX and XX/XX/XXXX, including future-dated delinquencies. Reporting derogatories for dates that have not yet occurred is an impossibility and a direct violation of Metro 2 standards and FCRA accuracy requirements. 

XXXX XXXX Acct # : XXXX | Date Opened : XX/XX/XXXX This account is marked as charged off, but no written notice of charge-off, final billing statement, or breakdown of principal versus fees has been produced. The charge-off reporting contradicts my own records and remains wholly unvalidated. 

XXXXXXXX XXXX Acct # : XXXX | Date Opened : XX/XX/XXXX TRANSUNION reports a 30-day late in XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. This inconsistency demonstrates that no reliable verification has been conducted with the original creditor. FCRA mandates that the date of first delinquency be accurate and consistent across agencies. 

XXXX Acct # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$11000.00} This installment account is listed as charged off, yet TRANSUNION has not provided any Method of Verification, ownership chain, or balance breakdown despite repeated requests. The reporting lacks assignment or sale details and can not be deemed accurate. 

XXXX XXXX Acct # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$2100.00} This credit card account is reported as charged off, but TRANSUNION has not supplied billing statements, final accounting, or evidence of contractual default. Such omissions constitute reckless reporting without basis in original creditor records. 

XXXX XXXX XXXX Acct # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7200.00} This collection account originated with XXXX but is now reported by XXXX. I have never received a notice of assignment, debt validation letter, or legal documentation proving XXXX right to collect. Reporting without validation violates FDCPA 1692g and makes TRANSUNION complicit in unlawful data furnishing.

Violations : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy.

FCRA 1681i : Failure to perform a proper reinvestigation of disputed accounts.

FCRA 1681s-2 ( b ) : Failure of furnishers to investigate and update information, with TRANSUNION continuing to report unverifiable data.

FDCPA 1692g : Lack of debt validation before collection reporting ( LVNV ).

Metro 2 Standards : Clear violations, including the impossible reporting of future delinquencies.

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