Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
I am reporting multiple violations by TransUnion regarding the inaccurate handling of my credit report. The core issues involve false derogatory account reporting, failure to investigate or correct disputed data, misrepresentation of my personal identity information, and an overall lack of compliance with the Fair Credit Reporting Act ( FCRA ). 

1. FCRA 607 ( b ) Duty to Ensure Maximum Possible Accuracy Citation : 15 U.S.C. 1681e ( b ) " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Violation : Marking an account as Charged Off when it is paid, deferred, in dispute, or inaccurately reported is a direct failure to ensure accuracy.

2. FCRA 611 Right to Dispute Inaccurate Information Citation : 15 U.S.C. 1681i If a consumer disputes the completeness or accuracy of any item of information ... the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate...

Violation : When TransUnion continues reporting a charge-off after a consumer files a dispute and provides documentation, and fails to remove or correct it, it violates this section.

3. FCRA 611 ( a ) ( 5 ) ( A ) Obligation to Delete If Inaccurate or Unverifiable Citation : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If an item of information is found to be inaccurate or can not be verified, the credit reporting agency shall promptly delete that item from the file of the consumer.

Violation : If the creditor can not prove the validity of a charge-off with supporting records, and TransUnion continues reporting it, they are in violation of this rule.

4. Potential Additional Violations FCRA 605 ( a ) : If the charge-off is over 7 years old, it can not be reported at all.

FCRA 602A : General accuracy and fairness provision applicable if systemic negligence is present. 

Summary of Disputed Items : Accounts falsely marked as Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$6500.00} ) XXXX XXXX XXXX BANK Incorrect status reporting : Multiple XXXX student loan accounts, despite being in active federal deferment, are marked with long periods of Unknown or even Charge Off entries. 

Incorrect phone numbers listed on my credit profile : Numbers like ( XXXX ) XXXX and ( XXXX ) XXXX have no relation to me. My verified number is ( XXXX ) XXXX. 

Timeline : Dispute initiated and submitted : XX/XX/year> Investigation response issued by TransUnion : XX/XX/year> Accounts were marked as Verified and Updated, but the harmful information was not corrected or removed, despite my supporting documentation and federal protections under loan deferment. 

TransUnions Failures : FCRA 611 ( 15 U.S.C. 1681i ) TransUnion failed to conduct a reasonable reinvestigation. The accounts were simply verified with the creditorseven though I provided proof the data was outdated, misleading, or false.

FCRA 605B Potential signs of identity theft ( incorrect phone numbers, unknown charges, joint account designations ) were not flagged or addressed.

FCRA 607 ( b ) TransUnion did not follow reasonable procedures to assure maximum possible accuracy. Deferment status was overridden by long strings of Unknown, Charge Off, or Past Due entries, directly harming my credit.

FCRA 602A My credit report contains inaccurate and personally identifying information, such as phone numbers not belonging to me. These errors raise risk of misidentification or fraud.

Failure to Provide Transparent Findings Despite being legally obligated to explain their reinvestigation procedure, TransUnion gave only generic responses and failed to resolve key inaccuracies.

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