Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint because XXXX, XXXX, and TransUnion  are all reporting false, unverifiable, and fraudulent data on my credit XXXX multiple disputes and documentation proving that the accounts and inquiries in question are either inaccurately coded, unverifiable, or the result of identity theft tied to the XXXX  XXXX XXXX. 

As a verified breach victim, my personal identifying information was compromised and subsequently used without my consent to open or report accounts. Each bureau has failed to perform its legal duties under the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( XXXX ), and XXXX XXXX compliance standards, which require them to ensure maximum possible accuracy and to delete unverifiable data. 

XXXX. XXXX XXXX Account XXXX XXXXXXXX This account is being reported with contradictory payment history and improper coding across all XXXX  credit bureaus. 

XXXX  lists it as paid with XXXX balance but includes a redeemed repossession remark. 

XXXX  shows all payments as XXXX. 

TransUnion adds a XXXX late code prior to closure. 

This inconsistency violates FCRA XXXX ( b ) ( duty of maximum accuracy ) and XXXX XXXX Section XXXX ( Account XXXX XXXX XXXX ), which forbids the simultaneous use of paid and repossession codes. Reporting an account as both current and repossessed is factually impossible. 

Additionally, no documentationsuch as billing statements or payment ledgershas ever been produced to substantiate these alleged late payments or derogatory remarks. This failure violates 611 ( a ) ( 1 ) ( A ) ( duty to reinvestigate ) and FCBA 1666 ( a ) ( billing error resolution ). The account must be corrected to reflect Paid as agreed, closed, and current or deleted entirely as unverifiable under 611 ( a ) ( 5 ) ( A ). 

XXXX. XXXX XXXX XXXX XXXX Account XXXX  XXXX XXXX  has already deleted this tradeline, confirming no lawful verification exists. However, XXXX  and TransUnion continue to report it as a charge-off/collection despite the deletion by XXXX. 

The reporting conflicts are clear : XXXX  shows a XXXX  account in dispute, while TransUnion reports XXXX as bad debt. These inconsistencies violate XXXX XXXX XXXX ( uniform status across repositories ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ). 

Since XXXX bureau has deleted the account as unverifiable, the others are legally obligated to follow suit under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ). Continuing to report deleted data is a willful violation that demonstrates reckless disregard for accuracy requirements. 

XXXX. XXXX XXXX Account XXXX XXXXXXXX This account displays clear contradictions and fraudulent attributes. 

XXXX  lists it as closed, while TransUnion lists it as open. 

The account shows no payment history, missing creditor verification, and inconsistent open/close dates. 

This tradeline was never validated, and my identity theft affidavit was ignored. Under FCRA 605B and 1681c-2 ( a ), once a consumer provides identity theft documentation, the bureaus must block the disputed item within XXXX business days. That did not occur. 

Because no verifiable ownership or contract exists, this account is both unsubstantiated and illegally furnished. The continued reporting of this account violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ) ( false representation of debt ). 

XXXX. Unauthorized Credit Inquiries The following inquiries were made without my authorization or any permissible purpose : XXXXXXXX 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  None of these entities have provided evidence of a signed application, written consent, or permissible purpose under 15 U.S.C. 1681b ( a ). TransUnion has continued to display these inquiries even after multiple disputes, violating 1681e ( a ) ( procedures for accuracy ) and 1681i ( a ) ( 1 ) ( A ) ( failure to reinvestigate ).

Under the FCRA, reporting or retaining unverifiable inquiries constitutes unlawful access of my credit file. These inquiries must be deleted immediately under 1681e ( b ) and 611 ( a ) ( 7 ). 

XXXX. Incorrect and Outdated Personal Information My reports also contain inaccurate personal identifiers, including old employers ( such as XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX ) that do not belong to me. The presence of this outdated data violates FCRA 1681e ( b ) ( reasonable procedures for accuracy ) and 1681i ( a ) ( 5 ) ( A ) ( duty to delete unverifiable information ).

Incorrect identifiers have contributed to the commingling of unrelated data, resulting in the reappearance of fraudulent accounts tied to the XXXX  breach. These must be deleted to prevent further identity mismatching under the XXXX XXXX XXXX XXXX XXXX XXXX. 

Legal Violations Summary FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy. 

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to reinvestigate disputed items.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable data.

FCRA 1681c-2 ( a ) : Failure to block identity theft information within XXXX  days.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or contradictory information.

FDCPA 807 ( 8 ) : Misrepresentation of debt validity.

FCBA 1666 ( a ) : Reporting billing inaccuracies as delinquency. 

XXXX XXXX XXXX & XXXX : Contradictory account status and payment coding.

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