Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear XXXX, XXXX Transunion I am writing to formally request the removal of outdated addresses from my credit report. Under the **Fair Credit Reporting Act ( FCRA ) **, I am entitled to accurate and up-to-date information in my credit file. The continued reporting of these outdated addresses violates the following provisions of the FCRA : 1. **15 U.S.C. 1681e ( b ) ** : XXXX is required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. Reporting outdated addresses that no longer reflect my current residence fails to meet this standard. 

2. **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ** : As I previously disputed these outdated addresses, XXXX was obligated to conduct a reinvestigation within 30 days and correct or delete the information if it was inaccurate, incomplete, or unverifiable. 

3. **15 U.S.C. 1681i ( a ) ( 6 ) ** : If XXXX agreed to remove the outdated addresses, you were required to notify me of the completion of this action. The continued presence of these addresses suggests noncompliance with this requirement. 

# # # **Outdated Addresses to Be Removed : ** [ List the old addresses appearing on your credit report here ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To assist in verifying my current residence, I have attached : 1. A copy of my government-issued ID. 
2. A recent utility bill reflecting my current address. 

I kindly request that you take the following actions : - Remove all outdated addresses listed above from my credit report. 
- Confirm in writing that the corrections have been made. 
- Provide me with an updated copy of my credit report once the corrections are complete. 

Failure to comply with the FCRA may result in legal action, including a claim for damages under **15 U.S.C. 1681n ( Willful Noncompliance ) ** or **15 U.S.C. 1681o ( Negligent Noncompliance ) **. 

Thank you for your immediate attention to this matter. I expect a response within the 30-day period as required by law. 


To assist in verifying my current residence, I have attached : 1. A copy of my government-issued ID.

2. A recent utility bill reflecting my current address. 

I kindly request that you take the following actions : - Remove all outdated addresses listed above from my credit report. 
- Confirm in writing that the corrections have been made. 
- Provide me with an updated copy of my credit report once the corrections are complete. 

Failure to comply with the FCRA may result in legal action, including a claim for damages under **15 U.S.C. 1681n ( Willful Noncompliance ) ** or **15 U.S.C. 1681o ( Negligent Noncompliance ) **. 

Thank you for your immediate attention to this matter. I expect a response within the 30-day period as required by law.

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 explanation