Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
" This complaint is being submitted against TRANSUNION LLC for their continued noncompliance with several provisions of the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), due to their inaccurate and unverifiable reporting of multiple consumer credit accounts. Despite my efforts to dispute the misinformation, TRANSUNION has failed to correct or delete clearly erroneous and harmful data, demonstrating a disregard for their obligations under federal law. 

The following accounts reflect significant violations : XXXX XXXX XXXX XXXX ( Account No. XXXX ) is a revolving credit card account opened in XX/XX/XXXX with a balance of {$7100.00}, which is showing a 30-day late payment in XX/XX/XXXX. This delinquency is disputed, yet TRANSUNION has not properly verified or corrected the tradeline. 

XXXX XXXX XXXX ( Account No. XXXX ), opened XX/XX/XXXX, with a current balance of {$20000.00}, reflects multiple late payments of up to 60 days. I assert these entries are inaccurate and should have triggered a reinvestigation under 1681i ( a ) ( 1 ) ( A ). 

XXXX is reporting three separate closed accounts : ( Account XXXX. ending in XXXX {$15000.00}, XXXX {$12000.00}, and XXXX {$4100.00} ). The third shows 30-, 60-, 90-, and 120-day lates from XXXX to XX/XX/XXXX, while the others are marked as charge-offs. No substantiating documentation has been provided by TRANSUNION to validate these reports. 

XXXX XXXXXXXX XXXX XXXX XXXX  Account No. XXXX ), closed with a balance of {$3300.00}, is reported as a charge-off without furnishing the original creditors verification of delinquency. 

XXXX XXXX XXXX XXXX XXXX. XXXX ), opened XX/XX/XXXX, is showing 30-day late in XXXX, XXXX in XXXX, and 90-day in XX/XX/XXXX. These entries are being disputed for lack of accuracy and proper validation. 

XXXX XXXX ( Account XXXX. XXXX ), a collection account from XX/XX/XXXX with a balance of {$140.00}, and XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX, {$230.00}, opened XX/XX/XXXX ), both remain on file despite lacking any documentation of debt ownership or verification under 1681s-2 ( b ).

Additionally, two severely damaging tradelines remain : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; Account No. XXXX ), opened XX/XX/XXXX, with a balance of {$20000.00}, is a collection account reporting without validation or a reinvestigation conducted in accordance with XXXX ( a ) ( XXXX ). This tradeline has materially impacted my credit score. 

XXXX ( Account XXXX. XXXX ), an open revolving account opened XX/XX/XXXX with a balance of {$3700.00}, is reported with the following lates : 30 days in XX/XX/XXXX and May 2024, 60 days in XX/XX/XXXX, and 90 days in XX/XX/XXXX. The date sequence suggests reporting inconsistencies and an overall lack of data integrity, directly violating 1681e ( b ). ''

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