Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
TransUnion is currently reporting a charge-off account from XXXX XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX  ), with a reported charge-off date of XX/XX/year> and an outstanding balance of {$4600.00} * *, and I am formally disputing its accuracy, validity, and legal reportability under the Fair Credit Reporting Act. This entry has remained on my credit report for years with no verification, no updated information, no communication from the original creditor, and no lawful justification for its continued presence. TransUnion has failed in its legal obligations to maintain accurate data and to reasonably investigate when that data is challengedand this account is a clear example of both. 

This account has been sitting dormant on my TransUnion file, continuously harming my credit score and suppressing my access to credit, without any verified documentation or lawful substantiation. The charge-off date reported is XX/XX/year>, which means the original delinquency would have occurred prior to that. That original delinquency date is legally significant, because under 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act, no negative tradelineincluding charge-offsmay be reported for longer than seven years from the date of first delinquency that led to the default. Yet TransUnion has not disclosed the original delinquency date and continues to report this account without transparency, which raises a serious concern that this tradeline is either approaching or already beyond the legal reporting limit.

I previously disputed this entry with TransUnion and received a standard, dismissive verified response. No documentation was provided. No records from the original creditor were shown. No evidence was presented that XXXX still owns or services this debt. In short, TransUnion failed to comply with 15 U.S.C. 1681i ( a ), which mandates that a credit bureau must conduct a reasonable reinvestigation when a consumer challenges the accuracy of reported data. It is not a reasonable investigation to simply check an internal box or rely on automated systems. TransUnion can not legally continue reporting a charge-off of this magnitude without furnishing supporting documentation, payment histories, or verification from XXXX XXXX XXXX justify its accuracy and status. 

Additionally, TransUnion is obligated under 15 U.S.C. 1681e ( b ) to follow procedures that ensure the maximum possible accuracy of the information it reports. Allowing a stale, unverified, and possibly outdated charge-off to remain in a consumers file, despite multiple disputes and no creditor-supplied proof, is a direct violation of that duty. The account has not updated in years, and there is no indication it is being collected, owned, or maintained by any active creditor. Its sole function on my report is to drag down my creditworthiness without serving any legitimate financial or reporting purpose. 

This has caused material harm. I have been denied for financial products, subjected to higher interest rates, and forced to explain an account that neither TransUnion nor XXXXXXXX XXXX can even document properly. The emotional toll of being punished year after year by a credit entry that remains without accountability is unacceptable. I have made every good-faith effort to resolve this and request verification, and I am met each time with indifference and a refusal to investigate thoroughly. That is not consumer protectionit is consumer negligence.

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