Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complainant Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX Date of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX Description of Complaint : I am submitting this complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( XXXX  ) arising from inaccurate and misleading information currently appearing on my consumer credit report dated XX/XX/XXXX ( File Number : XXXX ). 

Upon reviewing my file, I have identified several major issues even before initiating any formal disputes, meaning the inaccuracies and misleading reporting practices exist independently of consumer-driven dispute activity. 
These practices represent violations of XXXX obligations to ensure the maximum possible accuracy under the FCRA. 

Specifically : XXXX. Duplicate Reporting of Student Loan Debt XXXX ( A ) and XXXX ( b ) FCRA Violations The same student loan debt from the Department XXXX XXXX is reported multiple times under different account numbers ( e.g., XXXX, XXXX, and XXXX ). 

This artificially inflates my total outstanding debt and negatively affects my credit profile and creditworthiness. 

FCRA XXXX ( A ) and XXXX ( b ) require that information furnished to consumer reporting agencies be complete and accurate, and duplicate reporting creates a misleading and unfairly damaging record. 

XXXX. Re-aging of Delinquent Accounts XXXX ( c ) FCRA Violation XXXX  XXXX and XXXX  Financial accounts are reported with recent charge-off activity and delinquency notations extending into XXXX and XXXX, even though delinquencies began back in XXXX or earlier. 

TransUnion appears to be improperly extending the reporting period for negative information without clearly identifying the original date of first delinquency ( DOFD ), in violation of FCRA XXXX ( c ). 

XXXX. Misleading and Inconsistent Payment Status Reporting XXXX ( b ) FCRA Violation For multiple XXXX XXXX XXXX XXXX XXXX the payment histories randomly shift between severe delinquencies ( XXXX days late ), " unknown '' status codes ( " X '' ), and " current '' status without clear explanation ( such as rehabilitation or forgiveness ). 

This inconsistent and confusing reporting prevents creditors from accurately assessing my risk and is misleading under FCRA XXXX ( b ), which requires the maximum possible accuracy. 

XXXX. Failure to Include Proper Dispute or Comment Notices XXXX ( a ) ( XXXX ) FCRA Violation Although I have not yet initiated formal disputes for most tradelines, a few accounts contain references such as Consumer Disagrees or " Dispute Resolved '' without clear explanation or consistent placement across all relevant accounts. 

FCRA XXXX ( a ) ( XXXX ) mandates that if a furnisher reports an account after it has been disputed, the fact of dispute must be clearly noted. 

XXXX inconsistent handling of such notations creates confusion and an inaccurate record. 

Overall Problem : Even without any formal dispute history, TransUnion is responsible for the accuracy, integrity, and clarity of the information they report. 
Their failure to ensure the maximum possible accuracy is harming me financially and violates federal consumer protection laws. 

Relief Sought : I respectfully request that the CFPB : Investigate TransUnions reporting practices for systemic violations of the FCRA ; Require TransUnion to immediately correct the duplicate student loan reporting ; Require TransUnion to ensure all tradelines properly reflect accurate first delinquency dates ; XXXX TransUnion to ensure that any " dispute '' language is consistently and properly recorded ; Enforce civil penalties against TransUnion for its inaccurate and negligent reporting ; Order TransUnion to confirm the corrections made to my file in writing. 

I further reserve all rights to pursue private legal remedies as provided under FCRA XXXX and XXXX. 

Supporting Documents Attached : Full copy of TransUnion Credit Report ( dated XX/XX/XXXX, File No. XXXX ). 


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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