Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am filing this complaint against TransUnion and XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related to inaccurate information on my credit report. Specifically, my TransUnion credit report includes an account with XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXXXXXX ; Address : XXXX XXXX XXXXXXXX, XXXX XXXX, PR XXXX ; Phone : ( XXXX ) XXXX ) that I do not recognize and did not authorize. This account, reportedly opened on XX/XX/XXXX, shows a balance of {$640.00}, all past due, with a pay status of Account 120 Days XXXX XXXX. The payment history indicates delinquencies in XX/XX/XXXX ( 120+ days late ), XX/XX/XXXX ( not reported ), XX/XX/XXXX ( 120+ days late ), and XX/XX/XXXX ( not reported ). This negative information is damaging my XXXX XXXX and financial opportunities. 
I have not had a XXXX XXXX account for more than four years, have no recollection of what this {$640.00} charge is about, and have never received any statements, bills, or explanations from XXXX XXXX besides the appearance of this charge on my credit report. I need to understand where this charge originated, as it appears without any context or supporting details. Despite this, I have requested proof of the charges validity and origin, but none has been provided by XXXX XXXX or TransUnion. 
On or around XX/XX/XXXX ( exact date of initial dispute not specified in records ), I disputed this account with TransUnion, asserting that it is not mine and may be the result of identity theft, error, or fraud. TransUnion conducted an investigation and issued results on XX/XX/XXXX ( File Identification Number : XXXX ), stating that the disputed information was VERIFIED AS ACCURATE but that they updated the Historical Trended Data. No substantive changes were made to remove the account or correct the delinquencies, and the report continues to reflect this inaccurate information. TransUnion did not require or obtain proof from XXXX XXXX regarding the charges basis, my account history, or any documentation verifying my responsibility for this debt. 
This outcome violates FCRA requirements : Under 15 U.S.C. 1681i ( a ), TransUnion, as a consumer reporting agency, was obligated to conduct a reasonable reinvestigation of the disputed information within 30 days, including reviewing all relevant evidence and notifying the furnisher ( XXXX XXXX ) of the dispute. Their perfunctory verificationwithout addressing my claim that the account is unrecognized, inactive for over four years, and lacks any proof or detailsfails to meet the reasonable standard, as it did not result in deletion of the unverifiable or inaccurate item or demand substantiating evidence from the furnisher.

Under 15 U.S.C. 1681s-2 ( a ), Liberty Mobile , as the furnisher, is prohibited from reporting inaccurate information and must investigate disputes forwarded by the CRA, correct or delete incomplete/inaccurate data, and update records accordingly. By continuing to report this account as mine despite my disputeand without providing proof of the charge, its origin, or any account statementsthey have furnished inaccurate and unverifiable information.

I have no records, statements, or recollection of opening, using, or being billed for this account in recent years, and I believe it may stem from identity theft, a reporting error, or an outdated/unresolved issue without proper validation. I have attached the full TransUnion Dispute Investigation Results PDF ( dated XX/XX/XXXX ), including all pages, as evidence, which details the account and their inadequate response. 
This has caused me harm, including potential denial of credit, higher interest rates, and stress.

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