Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and legally questionable derogatory accounts being reported by TransUnion on my consumer credit file. The items at issue include a charge-off from XXXX ending XXXX XXXXXXXX XXXX XXXX dated XX/XX/XXXX with a {$0.00} balance XXXX XXXX  a collection from XXXX XXXX XXXX  ending in XXXXXXXX XXXX XXXX dated XX/XX/XXXX in the amount of {$1900.00} XXXX XXXX, and a collection from XXXX XXXX XXXX XXXX XXXX  ending in XXXXXXXX XXXX XXXX dated XX/XX/XXXX for {$1900.00} * *. 

Starting with the charge-off, the account reflects a zero balance, indicating that the debt has either been paid, settled, or otherwise resolved. Continuing to report this item as a derogatory charge-off while acknowledging no amount is owed misrepresents the factual status of the account and constitutes an inaccurate entry under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they furnish. It is not reasonable to characterize a debt as charged-off when no balance remains.

Regarding the two collections from XXXX and XXXX XXXXXXXX XXXX, I have never received proper validation or documentation proving these debts are legally enforceable or that they are even mine. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am entitled to a full and proper reinvestigation if I believe an account is inaccurate or incomplete. Yet, TransUnion has continued to publish these items without verifying the accuracy or legitimacy of the debt, despite my attempts to dispute. If the original creditor or the collection agency can not substantiate the debt with original documentation or evidence linking it to me specifically, then TransUnion is required by law to delete it. 

Furthermore, the XXXX and XXXX XXXX collections are extremely recent ( XX/XX/XXXX and XX/XX/XXXX respectively ), and yet I have already encountered denials from creditors due to these entries. These entries appeared suddenly without any notice or warning, and the amounts reported do not match any obligations Ive entered into, nor have I been served with validation of these debts. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), CRAs must delete unverifiable data after a reasonable reinvestigation, and furnishers are prohibited from reporting data they know or have reason to believe is inaccurate.

Whats most troubling is the emotional and financial impact this misinformation has caused. Ive been denied a mortgage preapproval due to these derogatory marks, despite having recently paid off existing obligations and improving my debt-to-income ratio. It has caused sleepless nights, stress-related health issues, and left me feeling as if my efforts to improve my financial standing are completely disregarded by the very system that is supposed to report fairly and transparently. Every time Ive tried to challenge these items, I receive automated, templated responses instead of actual reinvestigationsdespite the law requiring otherwise.

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 explanation