Consumer complaint received 2025-06-21 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:
XXXX. XXXX XXXX # XXXX * * * * Charge Off * * Date Opened : XX/XX/XXXX | High Balance : {$7700.00} Issue : This account is inaccurately reported as a charge-off with an inflated balance. I previously disputed this and requested documentation to verify its accuracy. TransUnion failed to provide verification from the original creditor and continued to report it without reinvestigation. 

Story : I never received proper notices about this account turning into a charge-off. I believe this XXXX have resulted from billing errors or unauthorized activity. I asked TransUnion to validate the debt, but they failed to respond adequately. 

Violations : FCRA 611 ( 15 U.S. Code 1681i ) Failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Failure to ensure maximum possible accuracy. 

XXXX. XXXX XXXX # XXXX * * * * Late Payments * * Date Opened : XX/XX/XXXX | High Balance : {$220.00} Issue : This account reflects late payments that I already disputed. I requested proof of delinquency and original payment history. No such documentation was provided, yet TransUnion continued reporting the delinquencies. 

Story : I had a payment arrangement with XXXX XXXX due to financial hardship during the pandemic. I was told no late fees would be added. TransUnion failed to validate the account status properly and simply verified it without proof. 

Violations : FCRA 611 Failure to perform a proper investigation.

FCRA 607 ( b ) Reporting potentially false delinquency without evidence. 

XXXX. XXXX XXXX XXXX # XXXX * * * Charge Off ( XXXX ) * * Dates Opened : XX/XX/XXXX & XX/XX/XXXX | High Balances : {$7200.00} & {$6000.00} Issue : TransUnion is reporting XXXX separate charge-offs from the same creditor, XXXX XXXX, with different open dates and balances. This appears to be duplicate reporting of the same account, artificially damaging my credit. 

Story : I only had XXXX loan with XXXX, and I have already submitted disputes explaining this duplication. Despite that, TransUnion continues to list both entries, making it look like I defaulted twice, which is false and misleading. 

Violations : FCRA 607 ( b ) Failure to ensure accuracy and prevent duplication.

FCRA 611 Inadequate reinvestigation of dispute.

FCRA 602 ( A ) Failure to maintain fair and XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX # XXXX * * * * * Late Payments * * Date Opened : XX/XX/XXXX | High Balance : {$13000.00} Issue : The reported late payments are not accurate and were disputed. I requested a full payment history from TransUnion for validation, which was not provided. 

Story : During this period, I was enrolled in a hardship deferment due to income loss. I was assured that no late payments would be reported. The reporting contradicts the arrangement made with the lender and misrepresents my payment behavior.

Violations : FCRA 611 Failure to validate payment status.

FCRA 607 ( b ) Neglecting accurate reflection of payment arrangements. 

XXXX. XXXXXXXX XXXX # XXXX * * * * * * Late Payments * * Date Opened : XX/XX/XXXX | High Balance : {$22000.00} Issue : This account is inaccurately reporting late payments, which I previously challenged. TransUnion responded without supplying any billing records or documentation from the original creditor. 

Story : I was a cosigner on this auto loan and had no control over the primary account holders payment schedule. Despite that, the late payments are affecting my credit, even though I never received billing statements or default notifications. 

Violations : FCRA 611 Failure to provide evidence upon dispute.

FCRA 607 ( b ) Inaccurate association of responsibility without verifying facts.

Requested Resolution : Immediate deletion of any unverifiable, duplicated, or inaccurately reported items.

Written documentation of reinvestigation results.

Compliance with all relevant FCRA obligations.

Please ensure that TransUnion is held accountable for these violations and required to follow the law to protect consumers from the ongoing harm caused by inaccurate credit reporting.

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