Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
Complaint Against TransUnion for Neglect and Failure to Properly Investigate Disputed Inaccuracies TransUnions refusal to properly investigate and reinvestigate multiple disputes I submitted regarding inaccuracies in the reporting of several accounts on my credit report. These inaccuracies remain unresolved despite clear evidence provided, and TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not conducting a thorough investigation. 

# # # **Specific Accounts and Issues** # # # # XXXX. XXXX XXXX - XXXX Details : ** - Account Number : Ending in XXXX - Account Type : Revolving ( Credit Card ) - Balance : {$14000.00} - Credit Limit : {$9000.00} - Status : **Charged Off**, with a past due balance of {$14000.00}. 
- XXXX XXXX : XXXX days** in XX/XX/year> and XX/XX/year>. 
- **Issues : ** - TransUnion lists a **charged-off status** and a delinquency history ( 120 days past due ), but the reporting does not provide clear evidence or verified details to substantiate these claims. 
- I provided documentation disputing the balance, delinquency, and charge-off accuracy, but TransUnion simply stated the item was verified without proper reinvestigation. 

# # # # XXXX. XXXX XXXX XXXX - XXXX Details : ** - Account Number : Ending in XXXX - Account Type : Installment ( Automobile Loan ) - Balance : {$12000.00} - Status : **Charged Off**, with a past due balance of {$12000.00}. 
- XXXX XXXX : XXXX days** in XX/XX/year>. 
- **Issues : ** - TransUnion failed to reconcile discrepancies in the reporting of the original charge-off amount ( {$17000.00} ) versus the current balance. 
- Despite submitting evidence that the charge-off and past-due amounts were inaccurate, TransUnion verified the information without substantiating their findings or providing the results of their investigation. 

# # # # XXXX. XXXX XXXX - XXXX Details : ** - Account Number : Ending in XXXX - Account Type : Secured Credit Card - Balance : {$4100.00} - Credit Limit : {$2200.00} - Status : **Charged Off**, with a past due balance of {$4100.00}. 
- XXXX XXXX : XXXX days** in XX/XX/year> and XX/XX/year>. 
- **Issues : ** - TransUnions reporting includes a **charged-off status** and an **unpaid balance**, but the account history is inconsistent and lacks clear verification. 
- My dispute included evidence of inaccuracies in payment history and delinquency status, yet TransUnion verified the item without a proper reinvestigation. 

# # # # XXXX. XXXX XXXX XXXX XXXX - XXXX Details : ** - Account Number : Ending in XXXX - Account Type : Revolving ( Credit Card ) - Balance : {$2300.00} - Credit Limit : {$900.00} - Status : **Charged Off**, with a past due balance of {$2300.00}. 
- XXXX XXXX : XXXX days** in XX/XX/year> and XX/XX/year>. 
- **Issues : ** - I disputed this account due to inaccuracies in the reporting of the charge-off and delinquency dates. 
- TransUnions response failed to address these discrepancies, merely stating the item was verified without providing evidence of their investigation or the data source used for verification. 

# # # **Failure to Comply with the FCRA** TransUnion has demonstrated repeated neglect in its obligations under the Fair Credit Reporting Act, specifically : 1. **Failure to Conduct a Reasonable Investigation : ** My disputes detailed specific inaccuracies, yet TransUnion failed to resolve these disputes and instead verified the information without providing supporting evidence. 
2. **Failure to Provide Results of Reinvestigation : ** TransUnion did not provide adequate results or explain how the information was verified.

3. **Failure to Ensure Accuracy of Reporting : ** The continued presence of inaccurate and unverifiable information on my credit report has caused significant harm to my creditworthiness.

The inaccurate reporting of these accounts has severely damaged my credit score and hindered my ability to secure credit, loans, or favorable terms for financial products. This situation has caused unnecessary stress and financial hardship. I respectfully request the following actions : 1. A full reinvestigation of the disput
ed accounts with evidence provided to support the findings.

2. removal of inaccurate information from my credit report if verification can not be substantiated.

3. Assurance that TransUnion adheres to its FCRA obligations by conducting thorough investigations for all future disputes.

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