Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this formal complaint against TransUnion for multiple ongoing and unresolved violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 and related consumer protection laws. Despite numerous disputes and requests to investigate, TransUnion continues to report inaccurate, outdated, and unverifiable information on my credit report which has caused me substantial emotional distress, financial hardship, and reputational damage. These inaccuracies include but are not limited to accounts that are charge-offs or in collections, as well as unverifiable or incorrect details that TransUnion failed to properly verify under their obligation per FCRA 15 U.S. Code 1681i ( a ). 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX This account is being reported as a charge-off even though the debt is disputed and not verified in accordance with FCRA guidelines . I have requested validation of this debt, yet no original contract or itemized breakdown has been provided. TransUnion is in violation of FCRA 1681i ( a ), which requires reinvestigation of disputed information, and 1681e ( b ), which mandates reasonable procedures to ensure maximum possible accuracy. Reporting a charge-off without concrete documentation is misleading and harmful. TransUnions continued reporting of this unverifiable debt is willful noncompliance under FCRA 1681n and negligent noncompliance under FCRA 1681o. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$130.00} Date Opened : XX/XX/XXXX This account is listed as a collection, but I have never received any notice or debt validation from XXXX XXXX as required under the FDCPA 15 U.S. Code 1692g. Additionally, this account is inaccurately reported with a false date of opening, suggesting re-aging of debt, which is a deceptive practice under FCRA 1681c ( a ) ( 4 ) and FDCPA 807 ( 2 ) ( A ). TransUnion has failed to conduct a reasonable investigation despite being notified of the inaccuracy. They are liable for failure to delete or correct inaccurate information per FCRA 1681i ( a ) and for not ensuring accuracy under FCRA 1681e ( b ). Reporting this account without validation violates my rights as a consumer and contributes to an artificially deflated credit score, affecting my ability to secure housing and credit. These entries ar
e not isolated incidents but part of a consistent pattern of negligence and noncompliance. TransUnion has demonstrated a lack of adherence to their duty to accurately report, verify, and investigate consumer data. I have suffered financial losses, higher interest rates, and emotional distress due to their unlawful conduct.

I am requesting that the Consumer Financial Protection Bureau take immediate action and instruct TransUnion to : 1. Conduct a full and independent investigation of these accounts.

2. Provide proper validation of all reported debts including original contracts and proof of ownership.

3. Permanently delete any unverifiable or inaccurate data.

4. Enforce penalties for FCRA and FDCPA violations as permitted by law.

5. Compensate for damages as allowed under FCRA 1681n and 1681o for willful and negligent noncompliance.

I request that this matter be handled with urgency and that I be updated with the progress of this complaint.

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