Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a formal complaint against TransUnion for maintaining inaccurate, unverified, and non-compliant information on my credit report, as well as an unauthorized inquiry, which are obstructing my ability to secure financing. Despite my repeated requests to TransUnion to correct or remove these inaccuracies, the issues remain unresolved, violating the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and Metro 2 reporting standards. Below are the details of the disputed accounts, unauthorized inquiry, and personal information inaccuracies, along with my concerns : Disputed Accounts XXXX XXXX XXXX XXXX ( Account Number Ending in XXXX XXXX XXXX XXXX XXXX XXXX Issue : Listed as CollectionOrChargeOff with a Date Opened of XXXX, Date of Last Activity of XXXX, and a Balance Owed of {$83000.00}. Account Description is " Individual, '' Creditor Type is " CollectionServices, '' and Account Status is " Open. '' The reported balance ( {$83000.00} ), Account Status ( " Open '' ), and CollectionOrChargeOff rating are inaccurate and unverified, violating 15 U.S.C. 1681i and Metro 2 standards. 

No proof has been provided to substantiate the {$83000.00} debt, as required by legal precedents such as XXXX v. XXXX, XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The Account Description ( " Individual '' ) and other fields deviate from CDIA Metro 2 standards.

Request : Delete this account from my credit report and provide documented proof of the {$83000.00} balance and compliance with FCRA and Metro 2 standards. 

XXXX XXXX XXXX ( Account Number Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Listed as CollectionOrChargeOff with an Account Status of " Open. '' The accounts accuracy is unverified, and the data is inconsistent with CDIA Metro 2 standards, lacking proof of compliance with FCRA regulations.

TransUnion has not provided documentation to substantiate the accounts details or balance.

Request : Delete this account from my credit report and provide documented proof of its accuracy and compliance with FCRA and Metro 2 standards. 
XXXX XXXX XXXXXXXX ( Account Number Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as CollectionOrChargeOff with a Date Opened of XXXX, Date of Last Activity of XXXX, Last Verified on XXXX, and a Balance Owed of {$1100.00}. Creditor Type is " CollectionServices, '' and Account Status is " Open. '' The reported balance ( {$1100.00} ), CollectionOrChargeOff rating, and dates are inaccurate and unverified, deviating from Metro 2 standards.

No documentation has been provided to prove I owe this amount, impacting my ability to secure car loans or refinance my mortgage. 
Request : Delete this account from my credit report and provide documented proof of the {$1100.00} balance and compliance with FCRA and Metro 2 standards. 
XXXX XXXX XXXX  ( Account Number Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Listed as CollectionOrChargeOff with an Account Status of " Closed '' and Creditor Remarks of " DISPUTED BY CONSUMER. '' The CollectionOrChargeOff rating and other account details are inaccurate and lack verification, violating FCRA and Metro 2 standards.

No supporting documentation has been provided to confirm the accounts accuracy. 

Request : Delete this account from my credit report and provide documented proof of its accuracy and compliance with FCRA and Metro 2 standards. 
XXXX XXXX XXXX ( Account Number Ending in XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Listed as CollectionOrChargeOff with a Date Opened of XXXX, Date of Last Activity of XXXX, and a High Balance of {$390.00}. Account Description is " Individual. '' The reported balance ( {$390.00} ), CollectionOrChargeOff rating, and dates are inaccurate and unverified, deviating from Metro 2 standards.

No documentation has been provided to prove I owe this amount, hindering my credit improvement goals. 
Request : Delete this account from my credit report and provide documented proof of the {$390.00} balance and compliance with FCRA and Metro 2 standards. 
XXXX  ( Account Number Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as CollectionOrChargeOff with a Date Opened of XXXX, Date of Last Activity of XXXX, and a Balance Owed of {$230.00}. Account Description is " Individual. '' The reported balance ( {$230.00} ), CollectionOrChargeOff rating, and dates are inaccurate and unverified, violating 15 U.S.C. 1681i and Metro 2 standards. 

No proof has been provided to substantiate the {$230.00} debt. 

Request : Delete this account from my credit report and provide documented proof of the {$230.00} balance and compliance with FCRA and Metro 2 standards. 

XXXXXXXX XXXX XXXX Account Number Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed as CollectionOrChargeOff with a Date Opened of XXXX, Date of Last Activity of XXXX, Last Verified on XXXX, and a Balance Owed of {$14.00}. 
The reported balance ( {$14.00} ), CollectionOrChargeOff rating, and dates are inaccurate and unverified, deviating from Metro 2 standards.

No documentation has been provided to prove I owe this amount, impacting my financing options. 

Request : Delete this account from my credit report and provide documented proof of the {$14.00} balance and compliance with FCRA and Metro 2 standards. 

Disputed Inquiry XXXX  XXXX ( Inquiry Date : XXXX ) Issue : An unauthorized inquiry was made without my consent. 

Concerns : This violates FCRA guidelines, as no documentation has been provided to show a permissible purpose for the inquiry. 

Request : Remove the inquiry from my credit report and provide proof of authorization under FCRA. 

Disputed Personal Information Name : Issue : My credit report may list names other than " XXXX XXXX. '' Concerns : Any variation from my legal name, XXXX XXXX, is inaccurate and non-compliant with FCRA standards. 
Request : Remove any names that do not match " XXXX XXXX '' from my credit report. 
Address : Issue : My credit report lists an incorrect address ( XXXX XXXX XXXX, XXXX, TN XXXX ). 
Concerns : My correct address is XXXX XXXX XXXX, XXXX, TN XXXX. Incorrect addresses violate FCRA accuracy requirements. 

Request : Update my address to XXXX XXXX XXXX, XXXX, TN XXXX, and remove any other addresses. 

Additional Concerns TransUnions practice of sending generic form letters in response to my disputes violates 15 U.S.C. 1681i, which requires individualized investigations of consumer disputes. 

Lack of Verification : TransUnion has failed to provide tangible proof of compliance with FCRA and Metro 2 standards for the disputed accounts, as emphasized in XXXX XXXX Trans Union Corp. ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX Cir. XXXX ). 

XXXX XXXX XXXX XXXX ( Account Number Ending in XXXX XXXX XXXX XXXX ) from Previous Document : * * referenced a XXXX XXXX XXXX XXXX account with a Payment Status of " Late 60 Days, '' a Balance Owed of {$80.00}, and a Credit Limit of {$480.00}. Since this account was not listed in the new document, it is unclear if it is still disputed. If applicable, please confirm if this account should be included, and I can add it to the complaint. 
Under the FCRA ( 15 U.S.C. 1681 ), TransUnion is obligated to ensure the accuracy and completeness of credit report information and to conduct thorough investigations of disputed items. Legal precedents, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Trans Union Corp., and XXXX XXXX XXXX, XXXX, emphasize that credit reporting agencies must verify disputed information accurately and can not rely solely on unverified data. Metro 2 standards, as established by the CDIA, mandate precise and compliant reporting of all account details. TransUnions failure to provide verifiable documentation or correct these inaccuracies violates these regulations.

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