Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several disputes have come back verified by all three bureaus XXXX, XXXX, and TransUnion. Several of these alleged verified accounts are not truly verified, but all three bureaus have used the ( XXXX method ) to verify these accounts on my credit report. On all of my reports, XXXX XXXX was not verified properly. XXXX was included in my bankruptcy, and the account that's being reported was not reaffirmed. The balance on this XXXX account is {$0.00}. I have another XXXX account that was reaffirmed, but XXXX XXXX and the three credit bureaus failed to investigate these accounts properly and because of this mistake, any XXXX XXXX account should be barred from my report. It's illegal to report inaccurate, unverified and wrong Information on my credit report. Not to mention, the credit bureaus failed to list XXXX XXXX as included in XXXX  XXXX bankruptcy. XXXX  XXXX ( account XXXX XXXXXXXX ), is another account that all XXXX credit bureaus uses the sham method to verify the accuracy of the information being reported. XXXX XXXX is reporting that the amount owed is {$1400.00}, not {$1400.00} as the credit bureaus are reporting. This information is inaccurate, incorrect and was never verified. XXXX XXXX XXXX is another account that the shams method was used to verify as XXXX XXXX XXXX is reporting {$710.00}, the credit bureaus are reporting {$710.00}. This shams method is illegal and these unverified, inaccurate accounts need to be removed immediately from my report or pay {$1000.00}. I will not accept updates because all the bureaus was notified 4 times of disputes, and all came back verified. It's my understanding that credit bureaus were sued recently for using the shams method in verifying account information. Please remove all these accounts immediately or pay {$1000.00}. XXXX XXXX account ( ending in XXXX, account # on report is XXXX ) is reporting {$830.00}, and the bureaus is reporting {$830.00}. This is another account that is reporting inaccurate, unverified information, and reporting illegal per FCRA. XXXX XXXX ( account # XXXX ) has been updated since XX/XX/XXXX ). The XXXX XXXX account also has a lot of inconsistencies in the credit bureaus reporting. Again, was this account verified by using the shams method? Please remove this account from my report or pay {$1000.00}. Several disputes have been made regarding bankruptcy XXXX  XXXX on all three bureaus ( account # XXXX, XXXX, XXXX ) XXXX  XXXX bankruptcy XXXX. All three bureaus XXXX, XXXX  and TransUnion are reporting the Government, The XXXX XXXX XXXX  and US Bankruptcy Court XXXX, as the furnisher of the reporting. As we know, the Government, nor any bankruptcy court DOES NOT report bankruptcy on anyone 's credit report. It's illegal to report inaccurate, false, unverified information on my credit report. Please remove any and all inaccurate information from my report or pay a {$1000.00} for each occurrence. I want to dispute all late payments on each account on my credit report. Please notify me in writing of the methods used, how all three bureaus verified the information on all my accounts, not just the accounts listed. Reporting inaccurate information is illegal and against violation of the FCRA law. Using the shams method is also illegal. 15 U.S.C 1692g, 15 U.S.C 1682g ( b ), 15 U.S.C 1691. Please remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX from my report. XXXX is not my account. It's shows as a collection for {$770.00}, however the credit bureaus are reporting {$770.00}. This is another account that ALL 3 bureaus have claimed to have verified, but are reporting false information, inaccurate information, and uses the shams method to claim verification of the accounts being reported. Please remove this account from my report immediately or pay {$1000.00}. Can all 3 bureaus send me documentation of how TransUnion, XXXX  and XXXX  came to the conclusion of its verification process. Using the sham method is illegal. Reporting inaccurate information is against the FCRA.

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