Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) in relation to my credit report and prior disputes. 

I have disputed multiple accounts that TransUnion continues to report as verified or dispute resolved by grantor. However, TransUnion has not provided the documentation, method of verification, or source used to verify these accounts, as required by law.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA 611 ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information and delete or correct inaccurate data.

Further, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires TransUnion to provide me, upon request, the method of verification, including the name, address, and telephone number of the furnisher of the information. 
To date, TransUnion has failed to comply with these obligations. 

Below are the disputed accounts that remain unverified : XXXX  XXXX Account # XXXX Reported as charged off as bad debt with a balance of {$470.00}, status updated XX/XX/XXXX, and another entry showing payment after charge-off ( status updated XX/XX/XXXX ). 

Both include the notation Dispute resolved reported by grantor, but no supporting documents have been provided. 

Violates 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to assure maximum possible accuracy ). 

XXXX  XXXX XXXX Account # XXXX Reported as charged off as bad debt with a balance of {$340.00}, updated XX/XX/XXXX. 

I do not recognize this account. No proof of any contract, payment record, or original agreement was ever produced. 

Violates 1681i ( a ) ( 6 ) ( failure to provide results and method of verification ). 

XXXX Account # XXXX Reported as charged off as bad debt for {$240.00}, updated XX/XX/XXXX, with comment Dispute resolved reported by grantor. 

TransUnion verified it without providing supporting evidence. 

Violates 1681i ( a ) ( 2 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX Account # XXXX Reported as charged off as bad debt for {$76.00}, marked Profit and loss writeoff, status updated XX/XX/XXXX. 

No verification or documentation has been shown. 

Violates 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX  Account # XXXX Reported as charged off as bad debt with a balance of {$13000.00}, updated XX/XX/XXXX, marked Account information disputed by consumer. 

No documentation proving this debt or any signed agreement was provided. 

Violates 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681s-2 ( b ) ( failure of furnisher to investigate disputed information ). 

Collection Account XXXX XXXX Account # XXXX Original creditor : XXXX XXXX, balance {$340.00}, status updated XX/XX/XXXX. 

I disputed this as not belonging to me. TransUnion verified it but did not provide validation documents from the collector or original creditor. 

Violates 1681i ( a ) and FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) ( failure to provide debt validation ). 

Collection Account XXXX XXXX  Account # XXXX Original creditor : XXXX XXXX Bank XXXX, balance {$1000.00}, status updated XX/XX/XXXX. 

I requested proof of ownership, assignment, and validation of the alleged debt. None was provided. 

Violates FCRA 611 ( a ) and FDCPA 809 ( b ). 

Despite multiple disputes, TransUnion continues to report these accounts as verified without supplying the legally required method of verification. This failure constitutes noncompliance with FCRA 1681i ( a ), 1681e ( b ), and 1681g, and potentially willful violation under 1681n or negligent violation under 1681o. 

These accounts are inaccurate, unverifiable, and damaging to my credit standing ( TransUnion FICO XXXX score currently XXXX ).

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