Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent two dispute letters to TransUnion ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ), XXXX  ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), and XXXX  ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) on or around XX/XX/XXXX, and XX/XX/XXXX, respectively, pursuant to my rights under the FCRA ( 15 USC 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). These letters detailed multiple inaccuracies, incomplete information, and unverifiable items related to the XXXX XXXX XXXX XXXX account, as outlined below : Inaccurate Account Status and Payment Status ( Violation of 15 USC 1681e ( b ) and 15 USC 1681i ) TransUnion reports the account as " Closed '' with a payment status of " Charged off as bad debt, '' a balance and past due amount of {$17000.00}, a " Date of Last Payment '' of XX/XX/XXXX, and a " Date Last Active '' of XX/XX/XXXX. 
XXXX  reports the account as " Closed '' with a payment status of " Charge-off, '' a balance and past due amount of {$17000.00}, a " Date of Last Payment '' of XX/XX/XXXX, and a " Date Last Active '' of XX/XX/XXXX. 
XXXX  reports the account as " Closed '' with a payment status of " Charge-off, '' a balance and past due amount of {$17000.00}, a " Date of Last Payment '' of XX/XX/XXXX, and a " Date Last Active '' of XX/XX/XXXX. 
Issue : The " Date Last Active '' for TransUnion ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ) is inconsistent with the " Closed '' status and the " Date of Last Payment '' ( XX/XX/XXXX for TransUnion and XXXX, XX/XX/XXXX for XXXX  ). An account marked as closed and charged off should not show activity in XXXX, indicating a reporting error. This violates 15 USC 1681e ( b ), which requires maximum possible accuracy, and 15 USC 1681i, which mandates a reasonable reinvestigation.

Incomplete and Unverifiable Payment History ( Violation of 15 USC 1681s-2 and 15 USC 1692g ) TransUnion and XXXX  fail to provide a two-year payment history, showing blank fields from XX/XX/XXXX to XX/XX/XXXX, making the charge-off status unverifiable. 
XXXX  reports " CO '' ( Charge-off ) for all months from XX/XX/XXXX to XX/XX/XXXX, despite the " Date of Last Payment '' being XX/XX/XXXX and the " Date Last Active '' being XX/XX/XXXX, suggesting no activity since XXXX. 
Issue : The lack of payment history ( TransUnion and XXXX  ) and the misleading " CO '' reporting ( XXXX  ) without evidence of ongoing delinquency violate 15 USC 1681s-2, which requires furnishers to provide complete and accurate information, and 15 USC 1692g , which entitles me to debt validation.

Unverifiable Collection/Chargeoff Status ( Violation of 15 USC 1681s-2 and 15 USC 1692g ) TransUnion and XXXX  report the account as " Collection/Chargeoff '' with comments like " Charged off as bad debt '' and " Unpaid balance reported as a loss by the credit granter, '' but no documentation or evidence has been provided to verify this status.

Issue : Under 15 USC 1692g, I am entitled to validation of the debt, and under 15 USC 1681s-2, furnishers must ensure the accuracy of reported information. The bureaus have failed to provide such validation, rendering the charge-off status unverifiable. 

Inconsistent Dates and High Credit Amounts Across Bureaus ( Violation of 15 USC 1681e ( b ) and 15 USC 1681i ) TransUnion reports a " Date Opened '' of XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. The " Date Last Active '' varies : XX/XX/XXXX ( TransUnion ) vs. XX/XX/XXXX ( XXXX  ). XXXX  does not report this information. 
TransUnion reports a " High Credit '' of {$20000.00}, while XXXX  reports {$20000.00}. XXXX provides no information. 
Issue : These discrepancies indicate a failure to ensure maximum possible accuracy, violating 15 USC 1681e ( b ) and 15 USC 1681i.

Inconsistent Comments and Missing Information ( Violation of 15 USC 1681i ) TransUnions comment is " Charged off as bad debt, '' while XXXX  is " Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit granter. '' XXXX  provides no comments or details. 
Issue : This lack of consistency and missing information violates 15 USC 1681i, which requires completeness of information.

Response from Credit Bureaus : In response to my dispute letters, TransUnion, XXXX, and XXXX  stated that the disputed accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX  ) were " verified '' but failed to provide : A description of the method of verification, as required by 15 USC 1681i ( a ) ( 7 ).

Evidence supporting the accuracy of the reported information, as mandated by 15 USC 1681s-2 and 15 USC 1692g .

Corrections to the inconsistencies and inaccuracies outlined above, violating 15 USC 1681e ( b ) and 15 USC 1681i.

The bureaus reliance on automated systems ( e.g., XXXX ) without thorough investigation does not meet the legal standard of verification, as established in XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which defines verification as confirming the correctness, truth, or authenticity of reported information.

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