Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint against TransUnion and associated debt collectors for their failure to ensure the accuracy of my credit report, omission of critical accounts, reporting outdated adverse information, and neglecting their obligations under federal and state laws. These actions have caused significant harm to my credit profile, financial reputation, and ability to access credit.

This complaint addresses violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), FTC rules, CFPB regulations, Texas Consumer Protection Laws, and deficiencies in XXXX XXXX compliance standards and XXXXXXXX  dispute resolution procedures. Additionally, this complaint is supported by relevant legal precedents and procedural violations that necessitate immediate corrective action and enforcement of penalties.

Key Issues 1. Missing Accounts TransUnion failed to include certain accounts that are present on my XXXX  credit report, resulting in an incomplete credit profile : XXXX XXXX : This installment account is listed on my XXXX  report with a remaining balance of {$220.00} and no late payments. However, it is entirely missing from XXXX report. 
By omitting this account, TransUnion has violated XXXX XXXX. XXXX ( b ) of the FCRA, which mandates CRAs to follow reasonable procedures to ensure maximum possible accuracy of reported information. 

XXXX. XXXX XXXX XXXX TransUnion is reporting outdated and inaccurate adverse information for certain accounts : XXXX XXXX : TransUnion lists this revolving account as charged off with a past due balance of {$2600.00}, along with remarks indicating it was transferred to recovery. However, XXXX  accurately reflects this account as closed with a {$0.00} balance and no past due amount. 
This discrepancy demonstrates a failure to verify or update the latest account status with the creditor, violating XXXX XXXX. XXXX ( b ) and XXXX XXXX. XXXX ( a ) of the FCRA. 

XXXX. Inconsistent Remarks and Reporting TransUnions credit report contains vague and inconsistent remarks compared to XXXX report : XXXX Mortgage Account : TransUnion includes remarks such as affected by natural disaster and XXXX, which do not appear on XXXX  report. These remarks are unclear and XXXX misrepresent the status of the account. 
Such inconsistencies indicate a failure to adopt reasonable procedures to ensure accuracy and compliance with XXXX XXXX reporting standards, as well as a violation of XXXX XXXX XXXX XXXX, which prohibits false or misleading information about consumer debts. 

XXXX. Failure to XXXX XXXX XXXX I have disputed the inaccuracies in my TransUnion report, but the following failures occurred : TransUnion did not notify furnishers of the disputed information. 
TransUnion did not conduct a proper investigation or verify the accuracy of the disputed items. 
TransUnion did not correct errors within the XXXX statutory timeframe. 
TransUnion did not provide me with written results of the investigation or a corrected report. 
These failures violate XXXX XXXX. XXXX ( a ) of the FCRA, as well as XXXX dispute resolution procedures, which require CRAs to investigate disputes and update records promptly. 

XXXX XXXX Precedents XXXX. XXXX XXXX Trans Union XXXX ( XXXX ) A reinvestigation that merely parrots information from the original source does not fulfill the CRAs obligations under the FCRA. 
XXXX failure to verify disputed information regarding XXXX XXXX and missing accounts like XXXX XXXX violates this precedent. 
XXXX. XXXX XXXX Trans Union XXXX XXXX ( XXXX ) Highlights TransUnions pattern of failing to conduct reasonable investigations and ensuring maximum possible accuracy. 
XXXX actions in this case mirror the violations highlighted in XXXX XXXX Trans Union. 
Violations of Federal Laws Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX ( b ) : Violation : Failure to ensure maximum possible accuracy of reported information. 
Missing accounts ( e.g., XXXX XXXX ) and outdated adverse information ( e.g., XXXX XXXX ) violate this section. 
XXXX XXXX. XXXX ( a ) : Violation : Failure to conduct a reasonable reinvestigation of disputed information. 
TransUnion ignored disputes and failed to provide corrected reports, violating this section. 
XXXX XXXX. XXXX and XXXX : Violation : Liability for willful and negligent noncompliance, entitling me to statutory, punitive, and actual damages. 
Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX. XXXX : Violation : Debt XXXX reporting through TransUnion provided false or misleading information about debts, such as the inaccurate charge-off status of XXXX XXXX. 
XXXX XXXX. XXXX : Violation : Reporting inaccurate debts and failing to address disputes constitute unfair practices, as they harm the consumers creditworthiness. 
Regulation F ( XXXX CFR Part XXXX ) XXXX Communications in Connection with Debt Collection : Violation : Improper communication practices, including failing to provide accurate validation notices and continuing collection efforts without resolving disputes. 
XXXX Validation Notices : Violation : Debt XXXX failed to provide clear and accurate validation notices, as required under Regulation F. 
XXXX Disputes and Requests for XXXX XXXX : Violation : Failure to adequately respond to disputes and provide requested information about the original creditor.

Violations of State Laws ( Texas Law ) Texas Finance Code XXXX  XXXX Debt Collection 392.304 False or Misleading Representations : Violation : Reporting false information ( e.g., inaccurate charge-offs ) about consumer debts violates this section. 
XXXX Prohibited Practices : Violation : Engaging in deceptive practices, such as failing to resolve disputes or correct inaccuracies, is prohibited under this section. 
Texas XXXX XXXX and Remedies Code XXXX  XXXX Statute of Limitations XXXX  Limitation for Libel/Slander Claims ( XXXX ) : Relevance : False credit reporting XXXX constitute libel. Consumers must file claims within XXXX year of discovering the inaccurate reporting. 
Procedural and Compliance Violations XXXX XXXX Compliance Standards Incomplete Reporting : Omission of accounts such as XXXX XXXX violates XXXX XXXX requirement for complete and accurate data. 
Outdated Information : Reporting outdated adverse information ( e.g., XXXX XXXX ) violates XXXX XXXX requirement for timely updates.

XXXX  Dispute Resolution Standards Failure to Notify Furnishers : TransUnion did not notify furnishers of disputes, violating XXXX procedures.

Failure to Update Records : TransUnion failed to update or delete inaccurate information as required. 
Requested Actions Corrective Measures : Update credit reports to include missing accounts and correct inaccurate information. 
Ensure compliance with XXXX XXXX and XXXX  standards.

Enforcement of Penalties : Impose statutory, punitive, and actual damages for violations of federal and state laws.

Improved Procedures : Require TransUnion to adopt stricter compliance procedures for dispute resolution and reporting accuracy.

Conclusion Based on the provided documents and analysis, TransUnion and associated debt collectors have violated multiple federal and state laws, regulatory standards, and industry practices. Their failure to ensure accuracy, investigate disputes, and comply with reporting standards has caused significant harm to my credit profile. Immediate corrective action and enforcement of penalties are necessary to ensure compliance and accountability.

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