Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against TransUnion for continuing to report inaccurate, misleading, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. I have previously disputed this information, and despite my efforts, TransUnion has failed to conduct a reasonable investigation and has continued to harm my creditworthiness and reputation. I am listing below the inaccurate accounts along with the nature of their issues and the applicable law violations. 
XXXX | Account Number : XXXXXXXX XXXX XXXX XXXX | High Balance : {$160000.00} | Date Opened : XX/XX/XXXX | Current Status : Charge Off Issue : This mortgage account is inaccurately reported as a charge-off. This is false, misleading, and has not been validated with complete documentation by the furnisher or TransUnion. Reporting a mortgage charge-off without providing verifiable proof of default, legal notice, and charge-off documentation violates FCRA 1681i ( a ) ( 1 ) ( A ) requiring credit bureaus to conduct a reasonable investigation upon consumer dispute.

Law Violated : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy Story : This account was never legally charged off in the manner being reported. TransUnion has failed to provide any investigation results that show proper verification from the data furnisher. This false reporting is severely damaging my ability to obtain fair housing, employment, and credit access. I repeatedly requested documentation, and none was provided. This is negligent behavior that must be corrected immediately. 
XXXX XXXX | Account Number : XXXXXXXX XXXX XXXX XXXX | High Balance : {$24000.00} | Date Opened : XX/XX/XXXX | Current Status : Charge Off Issue : The charge-off status on this account is inaccurate and unsupported. I have not received any legally mandated charge-off notice. This account should not reflect as a charge-off without legally sufficient evidence. TransUnion has not confirmed the accuracy or legitimacy of this derogatory mark.

Law Violated : FCRA 1681i ( a ) ( 5 ) ( A ) Failure to remove inaccurate, incomplete, or unverifiable information after reinvestigation Story : I raised multiple disputes against this account and no valid response or evidence has ever been shared with me. TransUnion continues to negligently report this account as a charge-off, drastically lowering my credit score and violating my rights under federal law. I believe this account has been reported maliciously or in error, and TransUnion is enabling this harm by failing to act. 
XXXX XXXX XXXX  | Reference Number : XXXX | Court : U.S. Bankruptcy Court | Status : Bankruptcy Issue : This bankruptcy is incorrectly associated with my profile. I have not filed any bankruptcy under this reference number. This is a serious reporting error that damages my character and credibility. No supporting documents were shown to confirm my identity as the filer.

Law Violated : FCRA 1681c ( a ) ( 1 ) Reporting obsolete information and failing to ensure accurate public record reporting Story : Associating me with a bankruptcy I never filed is an egregious violation of my rights and reputation. This is public record information that should only be reported after absolute confirmation of identity and court validation. TransUnion failed to verify whether I am the correct individual linked to this bankruptcy and has shown reckless disregard for my consumer protections. 
XXXX | Date : XX/XX/XXXX | Type : Hard Inquiry Issue : This inquiry was made without my knowledge, consent, or permissible purpose under FCRA 1681b. It is unauthorized and must be removed.

Law Violated : FCRA 1681b ( c ) Permissible purposes of consumer reports Story : I never authorized this inquiry from XXXX, and TransUnion failed to validate that proper consent or permissible purpose was obtained before allowing this inquiry on my report. This constitutes a direct violation of my privacy and has negatively affected my credit file without justification.

These inaccuracies are causing me financial distress, loss of opportunity, and emotional hardship. TransUnion has continuously failed to respond with proper reinvestigation results under FCRA 1681i and failed to ensure accuracy under 1681e ( b ). These accounts are contributing to a distorted and unfair representation of my credit profile. I respectfully request the CFPB to conduct a thorough review of TransUnions investigative procedures and impose necessary enforcement action. I am demanding the immediate removal or correction of all the above items from my credit file as required under the law.

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