Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I am filing this complaint because TransUnion has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ) by refusing to properly investigate and correct inaccurate or fraudulent information appearing on my credit report. 

I have submitted five rounds of dispute letters to TransUnion. Each round was : Mailed via USPS Priority Mail Personally signed with wet signatures Accompanied by full identity verification documents ( drivers license, SSN, utility bill ) Despite following all legal requirements, TransUnion responded with stall letters claiming they could not verify that I sent the disputes a false and unsupported excuse. This has happened across multiple dispute rounds and violates FCRA 611, which requires that a consumer reporting agency investigate disputes unless they are deemed frivolous and the consumer is properly notified with specific reasoning. No such reasoning has ever been provided. 

I also formally requested the method of verification for each item, including copies of any original contracts, applications, or purchase agreements used to validate the information. TransUnion never provided this, in violation of their obligations under the FCRA. 

Disputed Items : XXXX XXXX ( Account ending in XXXX ) Reported as XXXX, opened XX/XX/XXXX, with a status date of XX/XX/XXXX. Disputed for inaccuracy and potential duplication. No documentation has been provided to justify continued reporting. 

XXXXXXXX XXXX XXXX XXXX  ( Account ending in XXXX ) Reported as CollectionOrChargeOff with the same open date as XXXX ( XX/XX/XXXX ). No response or verification provided despite repeated disputes. 

XXXX XXXX XXXX ( Collection account # XXXX ) Duplicate of the XXXX charge-off. Reporting the same debt under two different furnishers is misleading. TransUnion failed to correct it. 

XXXX XXXX XXXX XXXX ( Collection account # XXXX ) Result of identity theft. A fraud affidavit and supporting documentation were submitted, yet the item remains with no corrective action from TransUnion. 

XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Shows a charge-off balance that exceeds the credit limit. TransUnion did not verify or correct this after several disputes. 

XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) Shows excessive late payments and a charge-off status. Dispute marked resolved without any method of verification. 

XXXX XXXX XXXX ( Hard Inquiry XX/XX/XXXX ) A fraudulent inquiry resulting from identity theft, confirmed by the company. TransUnion refuses to remove it even after proof was submitted. 

XXXX ( Account ending in XXXX ) Incorrectly reported as CollectionOrChargeOff. Balance and payment history are questionable. No verification was provided. 

XXXX ( Account ending in XXXX ) Reported as CollectionOrChargeOff with open date XX/XX/XXXX. Disputed for accuracy, with no supporting evidence provided. 

XXXX ( Account ending in XXXX ) Incorrectly reported as CollectionOrChargeOff. Disputed repeatedly with no supporting verification ever received. 

XXXX XXXX  XXXX XXXX XXXX due to an inaccurate late payment. TransUnion failed to provide any evidence to justify the delinquency notation. 

XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Reported as CollectionOrChargeOff. Dates and balance appear inconsistent and unverifiable. 

XXXX XXXX XXXX ( Account ending in XXXX ) Also marked as CollectionOrChargeOff, opened XX/XX/XXXX. Disputed for inaccurate reporting with no verification documents provided. 



In addition to the five rounds of disputes submitted to TransUnion, I also mailed dispute letters directly to each original creditor and collection agency listed above. These letters included the same supporting documentation and outlined the inaccuracies or fraudulent activity associated with each account. If needed, I am prepared to submit copies of these creditor letters as additional evidence to support my complaint.

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