Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Coordinated false reporting, non-verification, and retaliation XXXX  phantom tradeline, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX late-marks, duplicate auto inquiries ; systemic FCRA/Reg V violations Complainant XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Executive Summary XXXX  and TransUnion persist in reporting false, unverifiable, and harmful information despite numerous disputes and XXXX CFPB complaints. The core harm is a phantom XXXX XXXX XXXX XXXX XXXX XXXX tradeline that the furnisher can not locate or verify, yet bureaus still publish as XXXX, inflating utilization and damaging my score. XXXX  also shows a XXXX XXXXXXXX XXXX XXXX utilization error ; TransUnion keeps XXXX late marks on a fully paid XXXX account ; both bureaus list duplicate auto inquiries. Together this demonstrates a systemic pattern of willful non-compliance, bias, and retaliation, in violation of FCRA 604 ( a ), 607 ( b ), 611 ( a ), 623 ( a ) ( 2 ) and Reg V 1022.43 ( b ) ( 3 ). 



Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : unverifiable phantom tradeline, re-aging, utilization harm Closed : XX/XX/XXXX. 
Still reported by XXXX  XXXX TransUnion as Profit & Loss Write-Off / Charge-Off with {$3000.00} limit and {$1200.00} balance/past-due, artificially inflating utilization XXXX XXXX XXXX XXXX  on a closed charge-off. 
Payment grid shows continuing XXXX codes into XXXX re-aging / post-closure reporting. 
XXXX  branch visits ( XXXX  ) : staff could not locate any account under my name/SSN/card ; verbally confirmed no record/ no debt. 
XXXX removal window ( XXXX XXXX XXXX  ) : tradeline removed ; XXXX/TU continue unverified reinsertion/continuation. 
No Account in Dispute ( XB ) despite active disputes/CFPB cases. 

Violations : FCRA 607 ( b ) ( accuracy ), 611 ( a ) ( investigation ), 623 ( a ) ( 2 ) ( duty to correct/update ), 611 ( a ) ( 5 ) ( B ) ( re-insertion ), Reg V 1022.43 ( b ) ( 3 ) ( immediate correction/suppression ). 



Issue XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  utilization ( stale/wrong balance ) XXXX  reports {$1000.00} / {$1000.00} = XXXX XXXX XXXX verified actual = {$210.00} / {$1000.00} XXXX  % ( confirmed by XXXX  ; TU shows correct ). 
XXXX ignored dispute after my call and refused off-cycle correction.

Violations : FCRA 607 ( b ) ; Reg V 1022.43 ( b ) ( 3 ). 



Issue XXXX TransUnion XXXX XXXX XXXX ( Paid/Closed XX/XX/XXXX ) : XXXX false late-marks TU still shows XXXX lates and derog codes ; XXXX XXXX Paid as agreed/Obligation satisfied .

Continued publication after closure and against furnisher outcome harms my score.

Violations : FCRA 607 ( b ) ; 623 ( a ) ( 2 ). 



Issue XXXX Duplicate auto hard inquiries ( XX/XX/XXXX clusters ) XXXX  & TransUnion contain duplicate pulls from same auto lenders ( e.g., XXXX XXXX XXXX XXXX XXXX XXXXXXXX, etc. ). 
Many lack documented permissible purpose/consent ; duplicates compound score damage.

Violations : FCRA 604 ( a ) ; 607 ( b ). 



Systemic Pattern Bias, retaliation, coordinated delay Repeated Verified & Updated without MOV, no XB code, re-aging, post-closure CO coding, stale balances, duplicate inquiries. 
Furnisher ( XXXX  ) can not verify or even locate the account, yet XXXX continue reporting.

Pattern shows collusion/retaliation for my CFPB activity and manual stalling instead of correction. 



Requested Relief XXXX. Delete or permanently suppress the XXXX  tradeline across XXXX & TransUnion ( unverifiable phantom account ) ; XXXX. XXXX XXXX limit/balance to {$0.00} on a closed CO, remove past due, and cease post-closure CO coding ; XXXX. XXXX  : off-cycle correct XXXX XXXX to {$210.00} / {$1000.00} ( 21 % ) ; XXXX. TransUnion : remove XXXX false XXXX late-marks and confirm XXXX XXXX as agreed ; XXXX. Both bureaus : remove duplicate auto inquiries or produce certified permissible purpose ; absent proof delete ; XXXX. Apply XB ( Account in Dispute ) wherever active disputes/CFPB cases exist ; 7. Provide written confirmations of each correction ; 8. CFPB supervisory review for pattern & practice ; refer to OCC ; XXXX. XXXX XXXXXXXX XXXX to issue written statement that XXXX XXXX XXXX XXXX XXXXXXXX does not exist/ no debt and to notify all CRAs under 611 ( d ). 



Attachments/ Evidence XXXX  report XX/XX/XXXX ( screens showing XXXX re-aging/utilization ; XXXX XXXX XXXX XXXX ; XXXX XXXX late-marks ; inquiry clusters ). 
XXXX app screenshots ( {$210.00} / {$1000.00} ). 
Photos/notes from XXXX branch visits confirming no record found. 
CFPB complaint XXXX ( Open Sent to Company ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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