Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint and request for investigation regarding multiple inaccurate, unverifiable, and misleading items reported on my credit file. These errors have caused significant harm to my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and applicable provisions of the Uniform Commercial Code ( UCC ). 

After reviewing my credit report ( attached ), I identified several accounts that contain false or contradictory information, including but not limited to : XXXX XXXX accounts reporting inflated balances and false late payments ( see pages 35 of attached report ). 
XXXX account reported as both open and charged off, which is contradictory and unverifiable ( page 6 ). 
XXXX XXXX XXXX  accounts reported as charged off with {$0.00} balances and no payment history, violating accuracy and documentation standards ( pages 78 ). 
XXXX / XXXX XXXX XXXX XXXX collection account reported without verified documentation or payment history ( page 13 ).

These entries violate the following provisions : FCRA Violations 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( b ) : Furnishers duty to correct and update inaccurate or unverifiable information.

FDCPA Violations 15 U.S.C. 1692e : Prohibition against false, deceptive, or misleading representations in connection with debt collection.

15 U.S.C. 1692f : Prohibition against unfair or unconscionable means to collect or report a debt. 
UCC References UCC 1-308 : Reservation of rights I do not waive any rights under applicable law by disputing these inaccuracies.

UCC 3-501 : Requirement for presentment and verification of claims no verified contract or original documentation has been provided to substantiate these debts. 
Supporting Case Law XXXX XXXX XXXX, XXXX, 520 F.3d 1066 ( XXXX XXXX. XXXX ) : Unverifiable or inaccurate data must be deleted from a consumers credit file. 
XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX ) : Credit bureaus must conduct a reasonable reinvestigation when notified of a dispute. 
XXXX XXXX XXXX XXXX 190 F. Supp. 2d 81 ( D. Mass. XXXX ) : Reporting unverifiable information constitutes a violation of the FCRA. 
Requested Action I am requesting that the CFPB initiate an immediate investigation into these violations and require the credit reporting agencies and furnishers to : Delete all inaccurate, unverifiable, or misleading negative items from my credit report. 
Provide written verification and documentation of any item that remains, including original signed contracts, payment histories, and validation of debt ownership. 
Confirm in writing that all corrections have been made and that my credit file reflects only verified and accurate information. 
Please note that continued reporting of unverifiable or false information constitutes willful noncompliance under 15 U.S.C. 1681n, subject to statutory damages, attorneys fees, and punitive damages. 

Thank you for your prompt attention to this matter. I expect a written response within the statutory timeframe as required under the FCRA. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report with Highlighted Errors

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