Consumer complaint received 2025-07-02 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: OK

Complaint narrative:
I respectfully invoke the Consumer Financial Protection Bureaus authority under 12U.S.C.5511 to investigate TransUnions repeated, systemic disregard for its statutory duties. The following items remain on my TransUnion file after prior disputes ; each item is listed followed immediately by the controlling law, the precise compliance failure, and the real world harm it is causing me. TransUnions misconduct is willful under FCRA616 and negligent under FCRA617, and subjects the company to statutory and punitive damages. 
XXXXWRONGADDRESS LAW : FCRA602 ( a ) ( 2 ) ( maximizing accuracy ) ; 609 ( a ) ( 1 ) ( right to full file disclosure ) ; 611 ( a ) ( mandatory reinvestigation ) ; 15U.S.C.1681e ( b ) ( reasonable procedures ). 
ISSUE : I have never lived, worked, or received mail at this location. My validated identity documents ( passport, drivers license, utility bills and bank statements ) show no nexus to this address. 
XXXX XXXX Because the address remains, automated fraud scoring tools flag my genuine credit applications as suspicious address mismatch, leading to denials for an FHA mortgage pre approval and a prime auto loan offer in XXXX. Each denial cost hard inquiry points and forced me into higher cost credit. TransUnions refusal to delete the address after documented proof is a facial violation of the accuracy mandate and a reckless disregard for my rights. 
XXXXWRONGADDRESS LAW : Same as Item1 ( 602,609,611,1681e ( b ) ).

ISSUE : This location likewise bears no connection to me ; it appears to belong to an unrelated third party. 
XXXX : The presence of two false Oklahoma addresses ( I have resided exclusively in Texas and Tennessee during the relevant period ) triggered an e verify mismatch with my employer on XXXXXXXX jeopardizing my employment eligibility until I produced affidavits. TransUnions failure to maintain reasonable procedures renders the report patently inaccurate and actionable. 
XXXXXXXX XXXX XXXX XXXX XXXX CHARGE OFF XXXX XXXX  XXXX XX/XX/XXXX | HighBalance {$750.00} LAW : FCRA623 ( a ) ( 1 ) ( A ) & 623 ( b ) ( accuracy duties of furnishers & reinvestigation ) ; 607 ( b ) ( fair credit reporting ) ; FDCPA15U.S.C.1692e ( 8 ) ( communication of false credit information ) ; CFPB BulletinXXXX XXXX

ISSUE : XXXX sold the debt to XXXXXXXX XXXX XXXX XXXX see notarized bill of sale attached in prior dispute ), yet TransUnion still reports XXXX as the current owner with a balance of {$750.00}. Duplicate reporting violates the no double jeopardy principle and inflates utilization ratios. 
XXXX  : On XXXX XXXXXXXX XXXX rescinded a conditional approval when my XXXX ratio appeared elevated due to this phantom balance. I have supplied closing letters from XXXX, but TransUnions automated CDV responses show no human reinvestigationcontrary to 611 ( a ) ( 2 ) ( B ). 
XXXXXXXX XXXX CHARGE OFF XXXX XXXX  XXXX XX/XX/XXXX | HighBalance {$3300.00} LAW : FCRA1681e ( b ) ( reasonable procedures ) ; 611 ( a ) ( 5 ) ( A ) ( deletion requirement if unverifiable ) ; 623 ( a ) ( 2 ) ( duty to correct & update ). 
ISSUE : XXXX twice marked the account Closed Transferred/Sold, yet TransUnion keeps the trade line in Charge Off status with a monthly balance, making it appear as a current default. No verifying documentation has been produced in response to my certified disputes. 
XXXX : My XXXX application for a Department of Education income driven repayment consolidation was denied the lowest rate tier because TransUnions erroneous utilization inflated my weighted average APY calculation. This misreporting costs me {$47.00} every monthcompounded injury caused solely by TransUnions non compliance. 
XXXX Immediate deletion or full correction of all disputed items within the statutory 30 day window per FCRA611 ( a ).

Provision of all verification documents relied upon, as mandated by FCRA609 ( a ) ( 2 ). 
Civil monetary penalties against TransUnion for willful violations ( FCRA616 ) and injunctive relief to require substantive procedural reforms.

Damages for actual financial losses, emotional distress, and attorneys fees.

TransUnions misconduct is not a clerical oversightit is systematic, repeated, and injurious. I request the Bureaus immediate intervention to enforce federal consumer protection statutes, restore the integrity of my credit file, and deter future abuses.

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