Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
TransUnion has repeatedly violated the Fair Credit Reporting Act ( FCRA ) through systemic false reporting, contradictory tradeline data, willful refusal to correct errors, re-aging of derogatory accounts, failure to conduct a lawful reinvestigation, and issuance of generic verified responses despite the absence of any supporting documentation. 

I have disputed these accounts multiple times, including through TransUnions online portal, mail, and previous CFPB complaints. TransUnion continues to ignore evidence, refuse deletion, and rubber-stamp inaccurate information with template language, which is illegal under federal law. 

Below is a complete legal breakdown of every violating negative tradeline TransUnion is reporting, with statutes, violations, and factual contradictions pulled directly from my TransUnion credit report. 

I. GLOBAL FCRA VIOLATIONS BY TRANSUNION 1. FCRA 607 ( b ) Failing to Ensure Maximum Possible Accuracy TransUnion is reporting incorrect, conflicting, and impossible information across multiple tradelines such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 

These contradictions can not exist under Metro-2 accuracy standards.

2. FCRA 611 ( a ) Failure to Conduct a Reasonable Reinvestigation TransUnion repeatedly claims : Verified as accurate Reported correctly No changes required Yet they have never produced : DOFD ( Date of First Delinquency ) Payment history evidence Chain of title documentation Contract or account agreement Creditor validation Furnisher investigation results This violates XXXX, XXXX, and XXXX. 

XXXX. FCRA 611 ( a ) ( 2 ) Failure to Forward All Documentation to Furnishers TransUnion does not forward disputes or evidence. Furnishers respond through e-OSCAR with two-character codes, which TransUnion illegally treats as verification.

4. FCRA 611 ( a ) ( 5 ) ( A ) Failure to Delete Unverified Information ANY information that can not be verified with documented proof must be deleted.

TransUnion refuses to comply.

5. FCRA 623 ( a ) ( 1 ) ( A ) Reporting Information Known to Be Inaccurate By continuing to report contradictory information, TransUnion is knowingly publishing false data.

6. FCRA 1681n and 1681o Willful and Negligent Violations TransUnion is liable for statutory damages, actual damages, punitive damages, and attorney fees.

II. ACCOUNT-BY-ACCOUNT ANALYSIS ) Every derogatory item TransUnion is reporting is challenged below. 


XXXX XXXX XXXX XXXXXXXX {$2500.00} Violations : TU reports Charged Off XX/XX/XXXX, while XXXX show multiple conflicting statuses No DOFD No payment grid No contract Balance inflated beyond legal limits Impossible multi-bureau contradictions Laws Broken : 607 ( b ) 611 ( a ) 611 ( a ) ( 5 ) ( A ) 623 ( a ) ( 1 ) ( A ) UDAAP Result : Must be deleted in full. 

XXXX. XXXX XXXX  Contradictory Delinquency History Violations : TU shows 60 days late, while XXXX shows not more than 3 payments late and XXXX  shows different data entirely. 
Payment sequence does not mathematically match reported delinquency. 

Laws Broken : 607 ( b ) 611 ( a ) XXXX XXXX XXXX XXXX XXXX ( false recency appearance ) Result : Unverifiable Delete. 

XXXX. XXXX XXXX ( TU Reporting Only ) Violations : TU is the only bureau reporting this derogatory tradeline No supporting data No DOFD No account-level validation No chain of title Laws Broken : 607 ( b ) 611 ( a ) 611 ( a ) ( 5 ) ( A ) Result : Must be deleted. 

XXXX. XXXX XXXX Inconsistent Reporting Violations : TU shows In collection {$310.00} XXXX  shows settled XXXX  shows closed Can not simultaneously be owed, settled, and closed XXXX XXXXBureau Credit Report Laws Broken : 607 ( b ) 611 ( a ) XXXX XXXX XXXX XXXX Unverifiable Delete. 

XXXX. ALL COMENITY ACCOUNTS Illegal Re-Aging Violations : Closed in XXXX TU reporting activity years later Violates 7-year obsolescence rules Laws Broken : 605 ( a ) 605 ( c ) 611 ( a ) Result : Must be deleted immediately. 

XXXXXXXX XXXX XXXX Missing & Inconsistent Reporting Violations : TU and XXXX do not match XXXX  shows missing fields Missing/partial data = incomplete = inaccurate under 607 ( b ) Result : Delete as unverifiable. 

XXXX. PATTERN OF MISCONDUCT ( MULTIPLE DISPUTES IGNORED ) TransUnion has : Ignored numerous disputes Ignored evidence Used only boilerplate templates Ignored multiple CFPB filings Provided zero documentation Conducted no lawful reinvestigation This is textbook willful noncompliance. 

IV. DAMAGES ( FULL COMPENSATION IS REQUIRED ) I have suffered : Lower credit scores Credit denials Higher interest rates Loss of underwriting opportunities Emotional distress Wasted time/resources These damages are actionable under 1681n and 1681o.

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