Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
I have disputed multiple accounts with TransUnion. Each time, TransUnion used automated e-OSCAR responses, marked the items as verified, and returned the exact same inaccurate data, without providing : No original creditor documentation No signed applications or contracts No payment records No itemized accounting No validation of alleged delinquencies No verification from the furnisher No investigation as required under FCRA 1681i No explanation for inconsistent data across bureaus Many items changed statuses or dates after disputes, proving they were not properly verified. 

XXXX  has already deleted certain accounts that TransUnion still keeps reporting showing clear, inconsistent, unverified, and inaccurate reporting. 

What I Want ( Fair Resolution ) I am requesting deletion of the accounts listed below because TransUnion has failed to provide ANY documentation to verify accuracy, as required under FCRA 1681i. 
If TransUnion or the furnishers can not provide original records, signed agreements, payment histories, or validation, these accounts must be removed immediately. 

Additionally, TransUnion must stop using automated e-OSCAR verified responses and conduct a manual investigation with actual documentation, as required by law. 

Accounts Being Disputed Below are ALL the accounts TransUnion continues reporting inaccurately. 
Each section includes the specific violation and requested resolution. 

XXXX XXXX / XXXX  ( XXXX XXXX XXXX ) Account XXXX XXXX XXXX {$13000.00} ( Charge-off / Collection ) XXXX XXXX Violations : TransUnion verified without providing original XXXX  contract, payment ledger, charge-off details, or purchase agreement. 

Reporting multiple Date Updated changes without source documentation. 

Reporting is inconsistent with XXXX XXXX XXXX. 

XXXX frequently re-ages and re-sells debts verification requires full documentation. 

Requested Resolution : Delete for failure to verify under FCRA 1681i. 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account XXXXXXXX XXXX XXXX {$3900.00} XXXX XXXX  Violations : TransUnion continues reporting monthly C ( collection ) marks with no documentation. 

No original XXXX XXXX  statements, contract, application, or ledger were provided. 

No proof XXXX XXXX owns the debt ( chain of title missing ). 

Re-aging suspected. 

Requested Resolution : Delete for failure to provide ANY documentation. 

XXXX XXXX XXXX XXXX # XXXX Account XXXXXXXX XXXX XXXX Charge-off ( Paid/Closed ) XXXX XXXX Violations : Missing data for multiple years ( ND entries ). 

Delinquencies reported during months with no data. 

TU refuses to provide contract, statements, or charge-off ledger. 

Status contradicts XXXX reporting .

Requested Resolution : Delete for incomplete and unverifiable reporting. 

XXXX XXXX XXXX XXXX # XXXX Account XXXXXXXX XXXX XXXX Paid in Settlement / Charge-off XXXX XXXX Violations : 150-day late marks with missing ND months that contradict payment history requirements. 

TU did not provide any validation. 

XXXX  and TU do not show consistent late-month reporting. 

Payment history shows impossible patterns ( late without preceding dates ). 

Requested Resolution : Delete for inaccurate, unverifiable reporting. 

XXXX XXXX XXXX  ( Account opened XX/XX/XXXX ) Account XXXX XXXX XXXX Balance {$960.00} XXXX XXXX Violations : TransUnion continues to verify using automated responses. 

No documentation supporting XXXX and XX/XX/XXXX lates. 

Prior dispute results changed the status, proving original reporting was inaccurate. 

No statements or payment ledger provided. 

Requested Resolution : Delete for failure to verify and inconsistent reporting. 

XXXX XXXX XXXX  ( Account opened XX/XX/XXXX ) Account XXXXXXXX XXXX XXXX Balance {$480.00} XXXX XXXX Violations : Same pattern : repeated verified responses without documentation. 

TransUnion changed remark history and status after disputes, proving initial data was inaccurate. 

No proof of late payments or delinquency timelines. 

Requested Resolution : Delete for failure to verify. 

XXXX  XXXX # XXXX Account XXXXXXXX XXXX XXXX  Balance {$3500.00} ( XXXX ) XXXX XXXX Violations : Lates reported for months where other bureaus show on time. 

TU has no proof of XXXX XXXX lates. 

TransUnion failed to supply statements, contract, or ledger. 

Requested Resolution : Delete the delinquencies. 
If not verifiable, delete the entire account per FCRA 1681i. 

XXXX XXXX # XXXX ( Business Card ) Account XXXXXXXX XXXX XXXX Balance {$2000.00} ( Open ) XXXX XXXX  Violations : TU lists 30, 60, 90-day lates without documentation. 

Credit grantor changed history after disputes, indicating earlier reporting was inaccurate. 

No validation provided. 

Requested Resolution : Delete delinquencies or delete entire account if no documentation is produced. 

XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  Balance {$1100.00} XXXX XXXX Violations : TU failed to provide proof for XXXX XXXX late payments. 

Inconsistent reporting between bureaus. 

No contract or payment documentation provided. 

Requested Resolution : Delete for failure to verify. 

XXXX XXXX ( FHA Mortgage ) Account XXXXXXXX XXXX XXXX Balance {$140000.00} ( Open ) XXXX XXXX  Violations : TU reports late payments with ND ( no data ) for the same months. 

Reporting late payments without underlying proof violates FCRA & HUD mortgage reporting rules. 

No mortgage statements or payment history provided. 

Requested Resolution : Delete all late payments or delete account if unverified. 

XXXX XXXX XXXX XXXX ( Auto Loan ) Account XXXX XXXX XXXX Closed XXXX XXXX Violations : TU failed to provide ANY supporting documentation for XXXX late payments. 

XXXX XXXX can not even locate records for that year. 

TU has verified multiple times with no documentation. 

Requested Resolution : Delete for inability to verify historical data. 

XXXX  ( Account # XXXX / Sold to XXXX  ) Charge-off / Written Off {$13000.00} Violations : No documentation sent to TransUnion. 

TU changed dates after disputes. 

Chain of title missing. 

Same debt appears under multiple entities. 

Requested Resolution : Delete for failure to verify. 

XXXX  ( Account # XXXX / Sold to XXXX  ) Charge-off / Written Off {$28000.00} Violations : No original records or chain of title. 

TU reporting 120-day late then CO without underlying proof. 

Missing months ( ) break the reporting accuracy requirements. 

Requested Resolution : Delete. 

XXXX XXXX  ( Account XXXX ) CHARGE-OFF ( Key Evidence ) IMPORTANT : XXXX  deleted this account I am attaching XXXX  deletion notice. 

Violations : TransUnion reports a charge-off through XXXX with NO data for 50+ months. 

No original statements, contract, application, or ledger were provided. 

Inconsistent with XXXX, who removed the account entirely after reinvestigation. 

Requested Resolution : Delete immediately furnishers could not verify with XXXX, so TU can not continue reporting without documentation.

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