Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
Since XXXX  Ive been submitting written disputes to Transunion XXXXXXXX XXXX XXXX  regarding multiple inaccurate charge-off accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX appearing on my consumer report. Transunion was not able to verify XXXX XXXX XXXX XXXX credit card charge off therefore they delete the account but it still remains reporting on the two other credit bureaus.

The bureaus stated that the accounts had been verified as accurate. Pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I sent multiple Method of Verification request asking the bureau to disclose : The name, address, and telephone number of the furnisher who verified the disputed accounts.

The name and position of the person ( s ) contacted.

The date and time of verification.

A detailed description of the procedure used.

Copies of all original documentation used in verification.

The bureau either failed to respond within the required timeframe or responded without providing the requested verification details and documentation. This failure constitutes a violation of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ( failure to disclose method of verification ) FCRA 611 ( a ) ( 7 ) ( failure to provide description of procedure used ) FCRA 607 ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ).

Because the bureau has not provided legally required verification, the continued reporting of these charge-offs is unlawful. I am requesting that the CFPB compel the bureau to either : Provide full documentation of the verification process, as required by law, or Delete the disputed entries from my consumer report if verification can not be provided.

Ive also asked the bureaus to remove any and all inquiries not associated with accounts and all late payments due to the fact that 15 U.S.C 1681 a ( d ) ( 2 ) ( i ) states Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includereport containing information solely as to transactions or experiences between the consumer and the person making the report.

Therefore reporting any information such as late payments, ontime payments, inquiries, charge offs etc is a violation of my consumer rights. The law also states that each violation is {$1000.00} The major credit reporting agenciesXXXX XXXX and TransUnionhave faced a steady stream of lawsuits for inaccurate credit reporting practices. Consumers and regulators alike have accused the bureaus of failing to ensure accuracy, dragging their feet on investigations, and leaving incorrect information on reports even after multiple disputes.

Courts across the country have heard cases where people suffered denials of credit, higher interest rates, or even lost housing opportunities because of errors the bureaus refused to correct. These lawsuits often cite violations of the Fair Credit Reporting Act ( FCRA ), which requires agencies to maintain reasonable procedures to assure maximum possible accuracy of consumer reports.

The pattern is clear : the bureaus reliance on automated systems and limited human review leads to widespread harm. The fact that they are repeatedly sued for the same violations shows that the problem is not isolatedits systemic. My current situation mirrors these broader issues, which underscores the need for CFPB oversight 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