Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am filing this formal complaint against TransUnion for continuing to report inaccurate, unverified, and damaging information on my credit report, even after I submitted a previous dispute. The items in question are negatively affecting my creditworthiness, despite my repeated attempts to resolve these issues directly. I am now seeking the CFPBs assistance in investigating TransUnions noncompliance with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$520.00} Issue : Late Payment Reporting This account is showing a history of late payments, which is both inaccurate and misleading. I have already disputed this with TransUnion, but the bureau failed to provide any meaningful reinvestigation or original documentation to support the negative entry. As per FCRA 1681i, TransUnion is required to conduct a reasonable reinvestigation and verify the data using original creditor recordsnot just confirm with the furnisher. The reported late payments occurred during a period when I was under severe financial and medical hardship, and I attempted to contact the creditor about hardship or deferment, but they did not respond. No notice of delinquency was provided, and no payment plan or forbearance opportunity was extended. This account is being reported in a way that is incomplete and misrepresents the nature of my payment history, violating the requirement of accuracy under FCRA 1681e ( b ). I have experienced denials for affordable credit, increased interest rates, and emotional distress due to this unfair reporting. 
2. Account Name : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$100.00} Issue : Collection Account XXXX Funding is reporting a collection account on my TransUnion credit file without proper notice or debt validation. I have no knowledge of this account and was never contacted about any balance owed before it appeared on my report. This violates the FDCPA ( Fair Debt Collection Practices Act ) 809 ( 15 U.S.C. 1692g ), which requires debt collectors to notify the consumer and validate the debt within 5 days of initial contact. I never received anything in writing. TransUnion, when I disputed this, failed to verify the account using any signed documentation, contract, or original proof of debt. According to FCRA 1681i, unverifiable and unvalidated debt must be deleted. Instead, TransUnion has left it on my credit report, and this has caused me to be denied for housing and employment opportunities. This reporting is highly prejudicial and was never authorized, and I believe this may be a case of identity confusion or data mismatch due to the history of incorrect addresses and entries on my reports.

Summary of Harm and Request for Action : TransUnion is failing its legal obligations under FCRA 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 5 ) by continuing to report and verify inaccurate, incomplete, and unvalidated information. I respectfull
y request that the CFPB investigate TransUnions handling of these disputes and compel them to : Conduct a thorough and lawful reinvestigation using original source documents.

Immediately delete or correct any unverified or inaccurate information.

Provide a written explanation and documentation if they refuse to remove the disputed entries. 
Prevent further harm to my credit profile from these false or misleading accounts.

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