Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
b'Tracking Numbers (Certified Mail):XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Dispute Letter Mailed: XXXX XXXX XXXX am filing this complaint against TransUnion for violating the Fair Credit Reporting Act (FCRA), specificallyXXXX15 U.S.C.  1681e(b)  failure to maintain maximum possible accuracyXXXX15 U.S.C.  1681i(a)(5)  failure to delete or correct inaccurate or unverifiable informationXXXX XXXX XXXX XXXX I mailed a formal dispute to TransUnion via certified mail (tracking numbers listed above). The dispute letter outlined numerous inaccurate, misleading, and inconsistent tradelines. Some of these accounts are also currently involved in active litigation, which is not being reported  creating a material omission. Supporting documentation, including court summonses, was enclosedXXXX  Disputed Accounts with TransUnion:XXXX XXXX XXXXAccount is subject of active litigation XXXX XXXX XXXX XXXX XXXX, Case No. XXXXTransUnion reports charged off / $XXXX  balance but fails to include litigation statusXXXXThis omission renders the reporting materially misleading and incomplete under 1681e(b)XXXX XXXXXXXX XXXXAlso involved in litigation (Case No. XXXXTransUnion shows it as charged off without referencing ongoing lawsuit.XXXXNo dispute notation is applied despite active caseXXXX XXXX XXXX  (Ending in XXXXXXXXStatus shown as Repossession in TransUnionXXXX reports Collection/Chargeoff  these are mutually exclusive statusesXXXXInconsistency across CRAs = failure to maintain accurate filesXXXX XXXX XXXXDiscrepancy in dispute status, date of first delinquency, and high credit fieldsXXXXDispute status is either missing or resolved inconsistently across CRAsXXXX XXXX XXXX XXXX XXXXCredit limit and charge-off amount do not match those reported by XXXXDispute notations may be missing or inconsistentXXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion: Shows Dispute resolved; customer disagreesXXXX  Missing dispute notation altogetherXXXXDispute comments are inconsistent and misleading.XXXX XXXX (Ending in XXXXTransUnion reports balance and charge-off, but date last reported differs from XXXX  and XXXXDispute resolved comment added, but terminology is inconsistent.XXXX XXXX XXXX XXXXEnding in XXXXStatus: Derogatory, Balance: $XXXXXXXXReporting derogatory status after $XXXX  balance raises questions under FCRAXXXXDispute notation reads: Dispute resolved; customer disagrees, but XXXX  omits this note.XXXX XXXX XXXX XXXXTransUnion reports high credit = $XXXX, which is inaccurate since credit limit is $XXXXXXXXDispute notation is not visible; reporting appears incompleteXXXX XXXX (Ending in XXXXXXXXTransUnion shows $XXXX  past due; XXXX  shows $XXXX  past dueXXXX reports high credit of $XXXX, which contradicts real account behaviorXXXX (Ending in XXXXStatus charged off but with $XXXX  balanceXXXXNo indication of whether balance is collectible, paid, or soldXXXX XXXX XXXX XXXXStatus: Paid but tradeline still negatively impacts credit reportXXXXClosure reason not clearly reportedXXXX  Summary of Violations:XXXXFailure to report account in litigation for XXXX  and XXXXInconsistent or contradictory information across CRAs on balance, status, and datesXXXXFailure to mark accounts as disputed during ongoing disputesXXXXNo supporting documentation has been provided in response to mailed disputeXXXXNo reinvestigation results have been sent as required by 1681i(a)'

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