Consumer complaint received 2025-06-24 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: LA

Complaint narrative:
Tell us about your problem : I am submitting this complaint because TransUnion LLC has consistently failed to correct inaccurate, unverified, and harmful information on my credit report, despite multiple formal disputes. This failure is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is causing me financial harm, stress, and interference with important life opportunities. 

This is not a case of oversight. This is my 10th round of disputes with TransUnion, and they have not once provided proper verification or validation for the information I have challenged. Their inaction reflects gross negligence and systemic noncompliance with federal credit reporting laws. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX  Balance : {$1100.00} Status : Collection This collection account appeared on my credit report without any communication, contract, or billing statement from either the original creditor ( XXXX XXXX XXXX ) or the collection agency. I have never done business with XXXX XXXX, nor have I received any form of written validation for this debt. 

Despite repeated requests for documentation, TransUnion has continued reporting this account. This is a clear violation of FCRA 1681i ( a ) ( failure to reinvestigate disputed information ) and FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ). 

XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/year>XXXX  Balance : {$3600.00} Status : Collection I have never had any account or financial interaction with XXXX XXXX XXXX XXXX XXXXXXXX XXXX. This account was reported without my knowledge, consent, or validation. It appears to be either an account belonging to someone else or the result of mixed or erroneous data. 

I submitted disputes requesting proper documentation, including any signed agreements or account records proving my liability. TransUnion responded without addressing the root issue and continues to report the account in violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 1681i. 

3. WRONG ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX This address is not connected to me at all, and I have never lived there, used it, or authorized its inclusion on any document. Its continued presence on my credit file risks the misassociation of accounts, identity confusion, and potential future fraud. 

I have disputed this address repeatedly, and each time, TransUnion has failed to remove it, in violation of FCRA 1681c and FCRA 1681e ( b ). 

Personal Story and Impact : This situation has caused me extreme frustration, financial embarrassment, and hardship. I have been denied credit, seen increased interest rates, and lost access to housing and other essential services due to this incorrect and unverified information. 

Despite my repeated efforts to follow the proper dispute process, TransUnion has ignored their legal responsibilities. They continue to report these derogatory items as if they are verified facts, when in reality, they lack any legal substantiation. 

I have not yet filed a complaint with the Federal Trade Commission ( FTC ) or my state attorney general, but if this issue is not resolved immediately and permanently, I will escalate it through all appropriate legal channels. 

What resolution are you seeking? 
Immediate and permanent deletion of all disputed accounts and the incorrect address listed above. 

A corrected copy of my credit report reflecting these removals. 

Written confirmation that TransUnion has fully complied with their FCRA obligations. 

Internal review of why my previous disputes were ignored or inadequately addressed. 

Have you contacted the company already? 
Yes. I have contacted TransUnion multiple times over several rounds of disputes. No appropriate action has been taken, and no verifiable documentation has been provided.

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