Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion, XXXX of the major credit reporting agencies, for the continued reporting of inaccurate, outdated, and unverifiable information on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX. 
Despite my previous dispute, TransUnion has failed to conduct a reasonable investigation and continues to report multiple inaccurate items that are damaging my creditworthiness. The following issues remain unresolved : XXXX. Inaccurate Address Reporting ( Violation of FCRA XXXX ( b ) ) The following addresses are being incorrectly reported as my residence, which I have never lived at : XXXX XXXX XXXX, XXXX, CA XXXX Wrong Address XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This is a violation of FCRA XXXX ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 
XXXX. Inaccurate and Unverified Accounts The accounts listed below are being reported with inaccurate status ( charge-off/late/bankruptcy ) or unverifiable data, and TransUnion has failed to properly verify or remove them under FCRA XXXX and XXXX ( b ). 
XXXX Account # : XXXX * * * * High Balance : {$2200.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Violation : Unverified and possibly inaccurate reporting beyond reasonable period. No validation provided upon dispute. 
Law : FCRA XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX High Balance : {$3400.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Violation : Failure to verify debt, and not removed after dispute. 
Law : FCRA XXXX ( b ) XXXX XXXX XXXX * Account # : XXXX High Balance : {$4500.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Violation : Debt not validated ; continued reporting is negligent. 
Law : FCRA XXXX ( b ), XXXX XXXX Account XXXX : XXXX * * * * High Balance : {$480.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Violation : Charge-off inaccurately reported without proper investigation. 
Law : FCRA XXXX XXXX Account # : XXXX * * * * High Balance : {$440.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Violation : Late payment recorded without proof of delinquency ; disputed but not corrected. 
Law : FCRA XXXX ( a ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX Account # : XXXX * * * * High Balance : {$5300.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Violation : No proper documentation provided by TransUnion. 
Law : FCRA XXXX ( XXXX ) XXXX Account # : XXXX * * * * High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Violation : Failure to investigate the accuracy of late payment information. 
Law : FCRA XXXX ( b ) XXXX Bankruptcy Court Record Reference # : XXXX | Closing Date : XX/XX/XXXX | Status : Bankruptcy Violation : This public record was discharged years ago and should not be impacting my file without contextual update or proper validation. 
Law : FCRA XXXX ( a ) ( XXXX ) Bankruptcies must be removed after XXXX years, and reported accurately. 
Summary of Legal Violations : FCRA XXXX ( b ) : Failure to maintain accurate and updated credit information. 
FCRA XXXX : Failure to conduct a reasonable reinvestigation after dispute. 
FCRA XXXX ( b ) : Failure of furnishers to investigate disputed information. 
FCRA XXXX : Reporting outdated or obsolete information. 
Request for Relief : I respectfully request that the CFPB intervene and ensure that TransUnion : XXXX. Permanently deletes the incorrect addresses. 
XXXX. Deletes or corrects the accounts listed above after proper validation. 
XXXX. Provides documentation of any validation received from furnishers. 
XXXX. Pays appropriate attention to FCRA compliance and ceases negligent reporting. 
This situation has caused emotional distress and serious damage to my financial reputation. I am also considering filing an FTC Identity Theft Affidavit if proper resolution is not reached promptly.

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