Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against TransUnion for grossly inaccurate, incomplete, and misleading information being reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, including but not limited to 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( failure to conduct reasonable reinvestigation ), and 1681s-2 ( b ) ( furnishers duty to investigate disputed information ). The following accounts are inaccurate and damaging my credit profile and were not properly verified during prior disputes. These errors have caused me substantial harm including credit denials, emotional distress, and financial hardship XXXX XXXX XXXX High Balance : {$190.00} Date Opened : XX/XX/XXXX Status : Chargeoff Issue : This account is being inaccurately reported as a charge-off without proper verification or substantiated documentation. I never received proper notice or validation of debt under 15 U.S. Code 1692g ( b ) ( disputed debt ) and 1681e ( b ) ( requirement to ensure maximum possible accuracy ). I have made multiple attempts to resolve this matter but TransUnion has failed to remove or correct this information in violation of FCRA 1681i ( a ) ( 1 ). This is negatively affecting my ability to obtain credit, and I am demanding a full investigation and permanent deletion of this item unless verifiable and accurate documentation can be presented XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account is showing late payment reporting that is factually incorrect. I have not received any verifiable billing statements, default notices, or validation of late payment. This violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( furnishers shall not provide inaccurate information ) and 1681e ( b ). Reporting unverified late payments is a direct violation of my consumer rights. TransUnion has repeatedly verified this account without providing any proof from the original creditor which is a violation of 1681i ( a ) ( 1 ) and 1681s-2 ( b ). The presence of these derogatory marks has caused my credit score to drop and I have been denied essential financial services XXXX XXXX XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account reflects past-due payment history that I have disputed multiple times as inaccurate and unverifiable. I did not receive proper notice or validation. There has been no supporting evidence provided by the data furnisher or TransUnion to justify this derogatory reporting. FCRA 1681e ( b ) mandates maximum possible accuracy, and 1681i ( a ) ( 5 ) requires deletion of unverifiable information. TransUnions failure to conduct a reasonable reinvestigation and continued publication of inaccurate data constitutes willful noncompliance under 1681n and negligent noncompliance under XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This public record/account is showing late payment data despite no verifiable financial obligation being present. The high balance is {$0.00}, yet it is listed as derogatory. This is misleading and materially inaccurate. No original documentation or substantiated proof of debt has ever been presented to me, and TransUnion continues to allow this to remain on my report in violation of 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). This account should have never been included in my consumer report and must be permanently deleted unless verifiable legal evidence is provided In conclusion, TransUnion has continuously allowed the furnishing of false, misleading, and damaging information to remain on my credit report, despite my attempts to dispute and correct them. I am requesting that the CFPB launch a full investigation into TransUnions systemic violations of the Fair Credit Reporting Act ( FCRA ) and compel them to delete the above-listed accounts from my credit file immediately. I am also demanding a full review of TransUnions reinvestigation procedures to ensure compliance with FCRA standards. I reserve my right to pursue further legal action including claims for damages under 1681n and 1681o if these violations are not resolved

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