Consumer complaint received 2025-04-15 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:
bXX/XX/XXXXSubject: Formal Complaint Against TransUnion for FCRA and XX/XX/XXXXViolations\nTransUnion File XX/XX/XXXX\n\n\n\nTo the Consumer Financial Protection Bureau:\n\nI am submitting this formal complaint against TransUnion for multiple and willful violations of the Fair Credit Reporting Act (FCRA), failure to comply withXX/XX/XXXX credit reporting standards, and refusal to provide the legally required method of verification and investigation results regarding the following four accounts:\n\n\n\n1. JXX/XX/XXXXn\nAccount Number: XX/XX/XXXX**\n\t\tTransUnion is inaccurately reporting XX/XX/XXXX-day late payment history for 3 consecutive months (XX/XX/XXXX) and charge off reporting XX/XX/XXXX) without closing the account or updating it properly per XX/XX/XXXXformat.\n\t\tThe account reflects a charge-off, yet continues to show balance fluctuations and duplicate derogatory data.\n\t\tNo method of verification was provided after I submitted my dispute, violating 15 U.S.C.  1681i(a)(6)(B)(iii).\n\n\n\n2. XX/XX/XXXX\n\nAccount Number: XX/XX/XXXX***\n\t\tThe account reflects 120-day late payments consecutively fromXX/XX/XXXX, violatingXX/XX/XXXXstandards for proper aging and resolution of delinquent tradelines.\n\t\tListed as charged off, but still actively reports a balance with derogatory history that inaccurately remains static. Also chargeoff reportingXX/XX/XXXX\n\t\tTransUnion has not provided evidence of a proper investigation or reinvestigation process.\n\n\n\n3. XX/XX/XXXXServices  (XX/XX/XXXX)\n\nAccount Number: XX/XX/XXXX ****\n\t\tTransUnion is reportingXX/XX/XXXX-day delinquency for XX/XX/XXXXXX/XX/XXXX) without resolution, suggesting willful disregard for XX/XX/XXXX reporting accuracy.\n\t\tCharge-off status is contradicted by continuing activity on the balance and ongoing derogatory notations.\n\t\tI requested a reinvestigation and method of verification, but none was supplied.\n\n\n\n4. XX/XX/XXXX \n\nAccount Number:XX/XX/XXXX ****\n\t\tTransUnion is reporting this account with multiple static Charge-Off and 120 entries, in clear violation of Metro 2 requirements.\n\t\tThere is no accurate update showing final closure or deletion, and the tradeline continues to damage my file.\n\t\tI have submitted an FTC Identity Theft Report and police report, and TransUnion has refused to block or delete the account in violation of 15 U.S.C.  1681c-2(a).\n\n\n\nViolations Committed by TransUnion:\n\t\t15 U.S.C.  1681i(a)(6)(B)(iii): No method of verification or reinvestigation results provided.\n\t\t15 U.S.C.  1681e(b): Failure to maintain maximum possible accuracy.\n\t\t15 U.S.C.  1681s-2(b): Failure to conduct a proper reinvestigation.\n\t\t15 U.S.C.  1681c-2(a): Failure to block fraudulent information upon notice of identity theft.\n\n\n\nRelief Requested:\n\nI hereby request the following:\n\t1.\tPermanent deletion and blocking of the four accounts listed above within XX/XX/XXXX hours of this CFPB complaint.\n\t2.\tFull disclosure of:\n\t\tThe method of verification,\n\t\tAll parties contacted,\n\t\tDates and documentation used in the investigation.\n\t3.\tNo reinsertion of any of these accounts unless in full compliance with 15 U.S.C.  1681a(a)(5)(B).\n\n\n\nNotice of Intent to Sue:\n\nShould TransUnion fail to comply with this request, I will initiate legal action and sue for statutory damages of $1,000 per violation under 15 U.S.C.  1681n (willful noncompliance) and  1681o (negligent noncompliance), in addition to actual and punitive damages, attorneys fees, and any other relief the court deems appropriate.\n\n\n\nThis complaint is supported by my credit report (File No. XX/XX/XXXX), my FTC Identity Theft Report, and a police report on file with the bureaus.\n\nSincerely,\nXX/XX/XXXX'

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