Consumer complaint received 2025-05-27 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: RI

Complaint narrative:
I am filing this complaint against TransUnion LLC for its failure to correct inaccurate and misleading credit reporting related to a closed XXXX  XXXX XXXX account account XXXX XXXX XXXX XXXX XXXX 

Despite submitting a formal dispute, TransUnion has continued to report erroneous information in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX standards, and the Dodd-Frank Acts UDAAP provisions. 

Problem Details 1. Inaccurate Balance Reporting : o TransUnion reports a balance of {$1800.00}, exceeding the original credit limit of {$1300.00}, without providing contractual justification or a fee breakdown. This constitutes a violation of FCRA 1681e ( b ) and has not been substantiated by any supporting documentation. 
2. Improper Account Status & Coding ( XXXX XXXX Violation ) : o The account is labeled Charged off as bad debt. Canceled by credit grantor, yet a balance is still shown. Additionally, required fields such as Payment Rating, Charge-off Amount, and Payment History show None Reported, which violates XXXX XXXX guidelines for derogatory tradelines. 
3. Unreasonable Reinvestigation ( FCRA 1681i ) : o TransUnion failed to conduct a reasonable reinvestigation following my dispute, and the information remains unchanged. This directly violates FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). 
4. Lack of Verification Disclosure ( FCRA 1681i ( a ) ( 7 ) ) : o I was not provided any written explanation of the verification method used. This suggests a likely reliance on automated e-OSCAR responses without manual document review, which violates FCRA and applicable case law. 
5. Inaccurate Furnishing by XXXX  XXXX XXXX ( FCRA 623 ) : o TransUnion is complicit in continuing to report materially inaccurate and unverifiable data furnished by XXXX  XXXX XXXX, violating FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( C ). 
6. UDAAP Violations Dodd-Frank Act ( 12 U.S.C. 5531, 5536 ) : o TransUnions conduct is : Unfair, by maintaining unverified and excessive balances. 
Deceptive, through omission of payment history and contradictory account status. 
Abusive, by denying consumers accurate and transparent reporting. 
Legal Precedents Supporting This Complaint XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs must actively investigate, not passively rely on furnishers. 
XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Retaining inaccurate information after a dispute creates liability. 
XXXX v. XXXX, XXXX. XXXX ( XXXX ) : Reporting balances over credit limit without evidence violates FCRA. 
CFPB XXXX XXXX ( XXXX XXXX. XXXX ) : Use of automated dispute responses without adequate review breaches FCRA and UDAAP. 
Actions Taken I submitted a dispute directly to TransUnion, requesting validation of the account or its deletion if unverifiable. TransUnion failed to respond with any supporting documentation or correction. The information remains unchanged, continues to harm my credit profile, and limits access to fair credit opportunities.

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