Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC for failure to maintain accurate, verifiable, and complete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve these issues directly with the credit reporting agency, my file continues to reflect serious inaccuracies, including wrong addresses and inaccurate account reporting, which are causing significant harm to my financial well-being and violating my rights as a consumer. 
Disputed Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Issue : These addresses are incorrectly listed on my TransUnion credit report. I have never lived at or been affiliated with these locations. Their presence on my report indicates either mixed file issues or erroneous third-party data submission. This has created confusion and possible identity conflation, which exposes me to fraudulent association and unjustified credit risk. 
Violation : FCRA 602 ( A ) mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they maintain. FCRA 607 ( b ) further requires agencies to use reasonable procedures to ensure the accuracy and integrity of consumer data. TransUnion has failed to meet these standards. 
Disputed Account : XXXX XXXX Acct # : XXXX XXXX XXXX  Date Opened : XX/XX/year>XXXX  High Balance : {$2600.00} XXXX XXXX Issue : This account is inaccurately reporting late payments. These derogatory entries are false, outdated, or unverified. I have not received any proper documentation proving the legitimacy of the reported delinquencies despite my dispute under FCRA 611. 
Violation : Under FCRA 611, TransUnion is obligated to conduct a reasonable reinvestigation of disputed information and delete any data that can not be verified. FCRA 609 ( a ) ( 1 ) entitles me to receive full documentation supporting any account being reported. TransUnion has continued to report this account without providing verification, documentation, or evidence, thus violating federal law.

Narrative/ Consumer Impact Statement : I have been unfairly denied credit and experienced emotional distress due to the presence of false addresses and derogatory information on my credit report. I take my credit reputation seriously, and TransUnion 's negligence has caused measurable harm. My attempts to resolve these issues directly through disputes have been unsuccessful, and I believe that TransUnion is willfully ignoring the legal requirements under the FCRA. 
Resolution Sought : I am requesting that the CFPB conduct an immediate investigation into TransUnion 's practices and ensure the following : 1. Permanent deletion of the two inaccurate addresses listed above 2. Complete validation or removal of the disputed XXXX XXXX account 3. Assurance that TransUnion updates and maintains accurate information in accordance with the FCRA Please consider this a formal complaint and assist me in holding TransUnion accountable for these violations.

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