Consumer complaint received 2025-09-03 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: PA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint because TransUnion has continued to report inaccurate, misleading, and damaging information on my credit report even after I formally disputed these errors. Under the Fair Credit Reporting Act, I am entitled to accurate reporting under 607 ( b ), a reasonable reinvestigation under 611, and the assurance that no furnisher will knowingly supply inaccurate information under 623 ( a ). Unfortunately, none of these protections have been honored in my case. 

The first account at issue is XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX with a reported balance of {$2200.00} and is currently listed as a charge off. This reporting is inaccurate because the account is being reflected as both a charge off and as carrying an outstanding balance at the same time. By definition, a charge off is a closed account, yet TransUnion continues to display a balance, creating a misleading picture of my obligations. This violates the accuracy requirements of FCRA 607 ( b ) and allows misleading information to damage my credit profile. 

The second account in dispute is XXXX XXXXXXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX and shows a {$0.00} balance while also reporting late payments. It is unreasonable and inaccurate for a closed account with no outstanding debt to continue harming my file with late payment marks that no longer represent my current financial responsibility. Under FCRA 611, TransUnion was required to perform a meaningful reinvestigation when I disputed this item, yet the reporting remains unchanged. By continuing to publish this misleading information without verifying its accuracy through original documentation, TransUnion is violating my rights under federal law. 

The third account is XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  which was opened on XX/XX/XXXX and has a balance of {$0.00}, yet it is also being reported with late payments. This account was a credit builder loan that I successfully completed, and it should represent a positive history of repayment. Instead, TransUnion is reporting it in a way that creates a false impression that I failed to meet my obligations. This not only undermines the purpose of such credit-builder products but also violates FCRA 607 ( b ), which requires that the information be presented with maximum possible accuracy. TransUnion has not produced verifiable proof from the furnisher that these late payments are valid, and without that evidence the law requires the deletion of these negative marks. 

These accounts remain on my file despite my prior dispute, which means TransUnion failed to comply with the legal duty of conducting a proper reinvestigation under FCRA 611 ( a ). Allowing this inaccurate and unverifiable information to remain is damaging my creditworthiness, causing me financial harm, and denying me fair access to credit. I am requesting that the Consumer Financial Protection Bureau hold TransUnion accountable for these violations, ensure that a lawful reinvestigation is performed, and require that all unverifiable and misleading information be permanently removed from my consumer file.

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