Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my third and final demand for the immediate removal of multiple inaccurate, unverifiable, and misleading accounts from my TransUnion credit report. Despite multiple dispute attempts, TransUnion has failed to conduct a lawful investigation and continues to report these items without proper verification, violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

TransUnion has an obligation to verify all disputed information with factual documentation from the original creditornot just rely on automated responses from data furnishers. If TransUnion fails to provide actual proof of the disputed items listed below, they must be permanently deleted within 30 days as required by law. 

If these issues are not corrected, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action under 15 U.S.C. 1681n for willful non-compliance. 

DISPUTED ACCOUNTS MUST BE REMOVED IMMEDIATELY XXXX  XXXX ( Account No. XXXX ) ** Violation : Charge-off with balance discrepancies across all bureaus. 
Factual Dispute : Different last payment dates and balances make this account unverifiable and inaccurate under FCRA 1681e ( b ). 
XXXX XXXX ( Account XXXX. XXXX ) ** Violation : Charge-off marked as open on some reports and closed on others. 
Factual Dispute : This violates FCRA 1681i ( a ) ( 5 ) ( A ), which requires consistency in reporting. 
XXXX XXXX XXXX ( Account XXXX. XXXX ) ** Violation : Charge-off with incorrect date of last activity. 
Factual Dispute : If TransUnion can not provide the original contract and full payment history, this account must be deleted. 
XXXX XXXX XXXX ( Account XXXX. XXXX ) ** Violation : Incorrect reporting of charge-off status and payment history. 
Factual Dispute : Inconsistent late payment history across reports means this entry fails accuracy standards under FCRA 1681e ( b ). 
XXXX ( Account XXXX. XXXX ) ** Violation : Charge-off reported with incomplete payment history. 
Factual Dispute : This account lacks sufficient data for verification and must be removed. 
XXXX XXXX ( XXXX Accounts ) ( Account XXXX. XXXX and XXXX ) ** Violation : Charge-offs with unverifiable balances. 
Factual Dispute : Failure to provide account opening and closing details violates FCRA 1681i ( a ) ( 1 ) ( A ). 
COLLECTION ACCOUNTS MUST BE REMOVED IMMEDIATELY XXXX XXXX XXXX ( Account No. XXXX ) ** Violation : Collection for {$1300.00}, no documented proof of ownership.

Factual Dispute : If TransUnion can not provide the original signed agreement from the original creditor, this account must be deleted. 
XXXX XXXX XXXX ( Account XXXX. XXXX and XXXX ) ** Violation : Collections for XXXX ( {$410.00} ) and Esurance ( {$650.00} ) lack validation. 
Factual Dispute : These accounts have different balances across bureaus, making them unverifiable. 
XXXX XXXX ( Account XXXX. XXXX ) ** Violation : Collection for {$1200.00} with inconsistent reporting of balance. 
Factual Dispute : If TransUnion can not provide proof of debt ownership, this account must be deleted. 
XXXX ( Account XXXX. XXXX ) ** Violation : Charge-off with no transaction history provided. 
Factual Dispute : The failure to update records violates FCRA 1681i ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX ( Account XXXX. **** ) Violation : Collection for {$14000.00} from a duplicate auto loan debt ( XXXX XXXX ). 
Factual Dispute : This is a duplicate debt that violates FCRA accuracy requirements. 
PUBLIC RECORDS UNVERIFIABLE ACCOUNT Child Support Enforcement ( Account No. XXXX ) ** Violation : Inconsistent balance reporting and failure to provide legal documentation. 
Factual Dispute : If TransUnion can not produce original court documents, this item must be deleted immediately under FCRA 1681e ( b ). 
LEGAL VIOLATIONS & FINAL WARNING TransUnion has already violated the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Retaining unverifiable information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy. 

If TransUnion fails to delete these accounts within 30 days, I will : File complaints with the CFPB and FTC for non-compliance. 
Pursue legal action under 15 U.S.C. 1681n for damages. 
Request a full audit of XXXX verification process. 
NEXT STEPS FINAL NOTICE TransUnion has 30 days to either : Provide actual signed contracts, full payment history, and original creditor documentation for each disputed account. 
Delete any account that can not be fully verified.

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