Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion is currently reporting a collection account from XXXX XXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX dated XX/XX/year>, in the amount of {$1500.00} ) * * that is entirely inaccurate, unverified, and legally indefensible under the Fair Credit Reporting Act. I have no knowledge of this alleged debt, no relationship with XXXX XXXX XXXX, and have never received any notice, billing communication, or validation that would support the legitimacy of this collection account. Its sudden appearance on my TransUnion credit report, without prior disclosure or consent, constitutes both a violation of my rights and a complete failure of TransUnions duty to protect the integrity of my consumer file.

The continued reporting of this collection tradeline is a direct violation of 15 U.S.C. 1681e ( b ), which requires TransUnion to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. Allowing a third-party collector to place a {$1500.00} debt on my file, without verifying its validity, is reckless. At no point did TransUnion require documented evidence from the furnisher to confirm that this account is accurate, current, or even mine. The fact that this entry was published in the first place shows a lack of procedural safeguards and a clear failure to uphold the standards imposed by federal law.

In response to my formal dispute, I received nothing more than a generic notice stating that the collection account had been verified. Yet TransUnion provided no documents, no supporting records, no contract, no billing historynothing that would demonstrate the existence or validity of the debt. This is a blatant violation of 15 U.S.C. 1681i ( a ), which requires a timely and reasonable reinvestigation of any disputed information. Relying on an unsubstantiated furnisher response, without compelling the collector to provide legally sufficient evidence, is not a reinvestigationit is procedural negligence.

What makes this situation even more disturbing is the timing and nature of the entry. The collection account from XXXX XXXX XXXX is dated XX/XX/year>, yet as of XXXX, I still have not received a single formal notice of debt validation, a letter of collection, or any explanation from the creditor. That strongly suggests that this information may have been reported erroneously, through an automated furnishing process, or possibly connected to flawed or outdated records that have not been audited for accuracy. Regardless of the cause, the burden is not on me to accept reputational and financial damage due to TransUnions lax standards.

The impact on my life has been significant. This collection account immediately caused a sharp drop in my credit score. Ive been denied financing, had my existing credit offers revoked, and been flagged during background checks due to a collection I have no knowledge of and no opportunity to resolve. The financial and emotional stress of being blamed for a debt I never incurred, with no access to proof, is overwhelming. Ive lost hours disputing, emailing, making phone calls, only to be handed generic denials and vague statements of verification that protect the furnishers while leaving consumers like me powerless.

There is no legal, ethical, or factual basis for TransUnion to continue reporting this collection tradeline. Without verifiable evidence from the original creditor or collector that the debt is mine, valid, and enforceable, the account must be removed in accordance with the FCRA.

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 explanation