Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
Dear CFPB, I am filing this complaint against TransUnion for reporting inaccurate, unverified, and damaging information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to resolve the issue, these errors remain and continue to harm my financial standing, credit score, and ability to secure housing and credit. Below are the specific accounts and detailed issues involved : XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Status : Chargeoff TransUnion is reporting this account as a charge-off, which is inaccurate and unverified. I never received any validation of the alleged debt as required under FCRA 609 ( 15 U.S. Code 1681g ) and FDCPA 809 ( 15 U.S. Code 1692g ). I did not receive any written communication, billing statement, or collection notice before the charge-off was reported. I was never given a chance to resolve the issue before derogatory information was placed on my file. This is a clear violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide complete and accurate information. I believe the account balance, delinquency status, and dates are all misreported. I am requesting immediate intervention to remove or correct this item due to lack of validation and failure to notify me as required by law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$350.00} Date Opened : XX/XX/XXXX Status : Late Payment This account is being inaccurately reported as having a late payment, but I never missed any payment deadline. XXXX XXXX has failed to notify me or validate the delinquency, and they have not provided a clear explanation or supporting documentation to justify this derogatory mark. Under FCRA 623 ( b ) ( 1 ), they are obligated to investigate disputes and correct any inaccurate data, which they have failed to do. I believe this is a clerical error or an automated reporting issue. The late payment is false and has caused my credit score to drop unjustly, leading to denied applications and financial stress. I request this item be deleted or corrected based on lack of validation and failure to investigate as required under FCRA 611 ( a ). 
XXXX XXXX XXXX  High Balance : {$120.00} Date Opened : XX/XX/XXXX Status : Late Payment This account is also showing a late payment that is completely false. I was never informed of any overdue status, nor was I sent any billing alerts, letters, or notifications indicating that my account was delinquent. I attempted to contact the furnisher but received no response or documentation. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 1 ), which require furnishers to report accurate information and credit bureaus to disclose the sources and nature of the data. The entry was placed without giving me a chance to resolve it and has caused unnecessary harm. I believe this is a reporting mistake and should be investigated and deleted immediately.

TransUnion has failed to follow the required reinvestigation process under FCRA 611 ( 15 U.S. Code 1681i ), failed to ensure the accuracy and completeness of the reported data, and continued reporting unverifiable, harmful data in violation of federal consumer protection laws. These actions have resulted in damage to my credit profile and mental stress due to lost opportunities and unfair treatment.

I am requesting the CFPB to investigate TransUnions practices, ensure proper validation from furnishers, and require the deletion or correction of any unverified or inaccurate accounts. I also request confirmation from the CFPB once this matter has been resolved.

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