Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this formal complaint against TransUnion for their continued failure to correct and remove multiple inaccurate and unverifiable items on my credit report, despite multiple disputes submitted in good faith. These items are negatively impacting my credit standing, and TransUnions reporting practices are in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ), including Sections 602A, 607 ( b ), 609 ( a ), and 611. 

Inaccurate Personal Information : XXXX XXXX XXXX, SC XXXX This address is inaccurate and has never been associated with me. 

XXXX XXXX XXXX XXXX, SC XXXX This address is also inaccurate and unrelated to my personal or financial history. 
Violation : Reporting of false identifying information violates FCRA Sections 602A and 607 ( b ), which require consumer reporting agencies to maintain and report information with maximum possible accuracy. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This mortgage account is reported with a balance of {$240000.00} and multiple late payments. I have requested documentation to validate these delinquencies, including payment records and account history, but TransUnion has failed to provide it. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX This account shows a {$0.00} balance but still reports late payments, which is misleading and potentially outdated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported as a charge-off with a balance of {$2400.00}. Ive disputed the accuracy of this charge-off status and demanded original creditor documentation, which has not been provided. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a {$0.00} balance but is still reporting late payments without validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This auto loan is reported with late payments on a balance of {$29000.00}. I have challenged the accuracy of these late marks and requested original payment records. 

XXXX XXXX XXXX XXXXXXXX XXXX This account, reported as a charge-off with a {$0.00} balance, reflects contradictory reporting. Ive requested documentation to confirm the charge-off status and have received no proper response. 
Violation : TransUnion is in violation of FCRA Sections 609 ( a ) and 611 by failing to validate or correct these disputed entries. Continuing to report unverifiable, outdated, or inconsistent account information constitutes non-compliance with federal law.

I have exercised my rights by submitting direct disputes and requesting reinvestigations under FCRA 611, but TransUnion has not provided the required documentation nor removed the erroneous information. Their failure to meet their legal obligations is damaging my ability to obtain housing, credit, and other basic financial services.

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) initiate a formal investigation into TransUnions compliance with FCRA. I am also requesting the immediate removal of all inaccurate items listed above and a written confirmation that my file has been corrected.

Thank you for your assistance in resolving this matter.

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