Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I am filing this complaint against TransUnion for their continued reporting of inaccurate, unverifiable, and misleading negative information on my credit report, despite multiple dispute attempts. This reporting has caused significant harm to my creditworthiness, and TransUnion has failed to meet their obligations under the Fair Credit Reporting Act ( XXXX  ). 

The following items are currently being reported inaccurately : XXXX Account # XXXX * * * * * * * * Status : Charge Off | Balance : {$0.00} | Date Opened : XX/XX/XXXX This account shows a {$0.00} balance but is still listed as a charge-off. Reporting a charge-off when there is no outstanding balance is misleading and harmful. It suggests unresolved debt, which is factually incorrect. 

XXXX Account # XXXX * * * * * * * * Status : Charge Off | Balance : {$0.00} | Date Opened : XX/XX/XXXX This is an old, unverifiable account. I requested verification, and TransUnion failed to provide original documentation. Continued reporting without proof is a violation of FCRA XXXX and XXXX. 

XXXX Account # XXXX * * * * * * * * Status : Charge Off | Balance : {$0.00} | Date Opened : XX/XX/XXXX This appears to be a duplicate of the XXXX account. Reporting the same debt multiple times under different names is deceptive and violates FCRA XXXX ( b ). 

XXXX Account # XXXX * * Status : Late Payment | Balance : {$15000.00} | Date Opened : XX/XX/XXXX This account is reported as delinquent without proper validation or verification. I have not been provided with supporting documentation under FDCPA XXXX ( a ) or FCRA XXXX. 

XXXX XXXX Account # XXXX * Status : Late Payment | Balance : {$0.00} | Date Opened : XX/XX/XXXX This account is closed and has no outstanding balance, yet is reported with late payments. This is misleading and unfairly impacts my XXXX XXXX. 

XXXX Bankruptcy XXXX Reference # XXXX Status : Bankruptcy | Date Filed : XX/XX/XXXX This bankruptcy is either resolved or inaccurately reported. TransUnion has not confirmed whether it is still valid and lawfully reportable under FCRA XXXX ( a ). 

Despite disputing these accounts, TransUnion has refused to provide proper investigation results or remove the unverifiable data. Under FCRA XXXX, TransUnion is legally obligated to conduct a reasonable reinvestigation and remove any item it can not verify. 

I am requesting that the CFPB investigate TransUnion for its failure to ensure the maximum possible accuracy of my credit report and failure to conduct reasonable investigations of disputed information. I am also requesting deletion of all unverifiable and outdated derogatory information listed above. 

Resolution Sought : Immediate deletion of all inaccurate and unverifiable items from my TransUnion credit report. A formal investigation into XXXX reinvestigation procedures and potential FCRA violations.

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