Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Subject : * * Formal Complaint Against TransUnion for Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) To Whom It May Concern : I am writing to file a formal complaint against * * TransUnion, LLC * * for its ongoing * * failure to remove inaccurate, unverifiable, and fraudulent information * * from my consumer credit file, in direct violation of the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * * Despite multiple disputes and formal written notices, TransUnion has continued to publish * * erroneous accounts and collection items * * that contradict both * * XXXX  * * and * * XXXX  * * reports and for which no valid proof of indebtedness has ever been provided.

Background and Identity Theft Over the past ten years, I have been * * incarcerated * *, during which time I had * * no capacity to open, manage, or authorize any credit accounts. * * During that period, my personal identifying information was compromised and used in * * identity theft * * cases, possibly linked to * * data breaches * *. 

Since my release, I have repeatedly contacted TransUnion to dispute these fraudulent entries. However, its investigations have failed to yield any documentary proof or legitimate verification.

Accounts and Collections Reported by TransUnion Below are the * * current accounts and collections * * TransUnion continues to report inaccurately, with comparison to * * XXXX  * * and * * XXXX  * * records : * * XXXX XXXX XXXX/ XXXX XXXX ( XXXX ... ) * * | Account 120 Days Past Due ; Closed XX/XX/XXXX | XXXX  : Open, {$73.00} past due ; XXXX  : Closed, Paid | Conflicting status and payment history. 
| * * XXXX XXXX XXXX/ XXXX XXXX ( XXXX ... ) * * | Paid, Closed ; was Paid as Agreed | XXXX  : Paid, Closed ; XXXX : No delinquency | Consistent closure, but TransUnion incorrectly shows past delinquency months. 

* * XXXX XXXX * * | Paid, Closed ; was 120 Days Past Due | XXXX  : Settled for less than full balance ; XXXX  : Paid as agreed | Severity of delinquency and resolution differ across bureaus. 

* * XXXX XXXX XXXX  * * | Charge-off {$460.00} ; Limit {$300.00} | XXXX  & XXXX  XXXX XXXX off but dated XXXX | Date of charge-off inconsistent by 812 months. 

* * XXXX XXXX XXXX XXXX XXXX * * | Collection {$890.00} ; Dispute resolvedconsumer disagrees | XXXX  : Consumer disputes after resolution ; XXXX  : not listed | TransUnion and XXXX  both list but differ in dispute notation and report date. 

* * XXXX & XXXX ( XXXX XXXX ) * * | Collection {$180.00} ; reported XX/XX/XXXX | XXXX  & XXXX  : similar amount but reported as closed collection | TU lists as open, indicating continued delinquency post-closure. | | * * XXXX XXXX XXXX XXXX XXXX * * | Collection {$9800.00} ; opened XX/XX/XXXX | Absent from both XXXX  and XXXX  | No record exists elsewherelikely fraudulent or unverifiable. 

* * XXXX XXXX XXXX * * | Charge-off {$9800.00} ; reported XX/XX/XXXX | XXXX  : same account reported as charge-off XX/XX/XXXX ; XXXX  : deleted | TransUnions earlier reported date and active collection contradict XXXX  charge-off date. 

* * XXXX XXXX XXXX XXXX * * | Closed ; 60-day delinquency in XX/XX/XXXX | Equifax : XXXX ; XXXX  : Paid as agreed | False delinquency entry appears only on TransUnion. 

Legal Grounds for Deletion 1. * * Failure to Reinvestigate 15 U.S.C. 1681i ( a ) * * TransUnion is required to conduct a * * reasonable reinvestigation * * within 30 days of receiving a dispute. To date, TransUnion has failed to provide documentation, validation, or certified verification of the alleged debts. 

2. * * Reporting Incomplete or Inaccurate Information 15 U.S.C. 1681e ( b ) * * TransUnions reporting of contradictory, inconsistent, and unverifiable information demonstrates * * negligent or willful noncompliance * * with accuracy requirements.

3. * * Failure to Block Identity Theft Information 15 U.S.C. 1681c-3 * * After being notified of identity theft and provided supporting documentation, TransUnion is legally required to * * block and remove all fraudulent information * *. Continued reporting constitutes ongoing harm and noncompliance.

4. * * Estoppel by Silence Engelhardt v. Gravens, 281 S.W. 715, 719 ( Mo. 1926 ) * * Neither TransUnion nor furnishers such as * * XXXX XXXX XXXX XXXX XXXX * * have provided * * any signed agreement, contract, or itemized statement * *. Under this doctrine, their continued silence establishes a * * presumption that no valid debt exists * *. 
5. * * Failure to Cease Communication 15 U.S.C. 1692c * * I hereby * * revoke all consent * * for TransUnion or any of its furnishers to contact, report, or communicate further regarding the disputed accounts.

Requested Action I respectfully request that the * * Consumer Financial Protection Bureau ( CFPB ) * * enforce TransUnions compliance with federal consumer protection law and require the following : 1. * * Immediate deletion * * of all unverifiable, inconsistent, and fraudulent accounts listed above.

2. * * Written confirmation * * from TransUnion that each deleted account has been permanently removed. 
3. * * Full compliance * * with the reinvestigation and verification provisions of 1681i.

Conclusion TransUnions actions constitute a * * willful violation * * of the Fair Credit Reporting Act. Its repeated refusal to delete unverifiable items has caused ongoing credit denials, emotional distress, and financial harm. I request the CFPB to * * investigate XXXX systemic failure * * to comply with federal law and compel corrective action. 

Respectfully, XXXX 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