Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Complaint to the CFPB Against TransUnion Subject : Violation of 15 U.S. Code 1681s2 Dispute of Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint against TransUnion for reporting inaccurate and misleading information on my credit file and failing to properly investigate and correct disputed information in violation of 15 U.S. Code 1681s2 ( E ).

Details of the Disputed Account : Creditor : [ Bank Name if known ] Account Number : XXXX ( As reported by TransUnion ) Date Opened : XX/XX/XXXXXXXX  Date Closed : XX/XX/XXXXXXXX  Balance Owed : {$8300.00} Credit Limit : {$7500.00} Payment Status : Collection/Charge-off Last Payment Date : XX/XX/XXXXXXXX  Dispute Status : Not disputed ( I am disputing now ) Violations of 15 U.S. Code 1681s2 ( E ) Responsibilities of Furnishers Under the Fair Credit Reporting Act ( FCRA ), the furnisher of information is required to : Conduct an Investigation I have not received any indication that the creditor conducted a reasonable investigation regarding the accuracy of this account. 
Review Relevant Information I have provided sufficient information disputing the accuracy of the reported balance, dates, and charge-off status, yet TransUnion has not corrected the errors. 
Complete the Investigation in a Timely Manner As of today, I have not received any verification or correction of the inaccurate reporting.

Correct Inaccurate Information The information remains incorrect, violating the legal requirement to promptly update or remove inaccurate data. 
Errors in Reporting : Incorrect Balance Reporting The account reports a balance of {$8300.00}, which exceeds the original credit limit of {$7500.00} and does not align with proper charge-off reporting.

Future Dated Information The " Last Verified '' and " Last Activity '' dates are listed as XX/XX/XXXX, which is a future date and not possible under accurate reporting standards. 
Failure to Provide Full Payment History The credit report does not include a two-year payment history, preventing me from verifying past payments or disputing late payment claims. 
Requested Resolution : TransUnion must conduct a thorough investigation as required under 15 U.S. Code 1681s2 ( E ) and correct all inaccuracies.

If the creditor can not verify the information as 100 % accurate, the account must be deleted from my credit file. 
TransUnion must provide me with the results of their investigation, including documentation proving the accuracy of the reported information. 
I am requesting the CFPB 's intervention to ensure that TransUnion complies with the FCRA and corrects or removes the inaccurate information from my credit report. 

Sincerely, XXXX XXXX XXXX

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