Consumer complaint received 2025-07-04 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:
To Whom It May Concern, I am submitting this formal complaint against TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal protections. TransUnion has continuously failed to maintain the accuracy and integrity of my consumer report. Despite prior disputes and repeated notifications, TransUnion continues to report incorrect personal identifying information, inaccurate account statuses, and unverifiable derogatory accounts, all of which have caused me severe harm in the form of credit denials, emotional distress, and financial setbacks. I demand an immediate and thorough investigation and correction of all the issues outlined below. I also request the CFPB to investigate TransUnions repeated negligence and non-compliance with federal law. 
Wrong Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This is an inaccurate and unauthorized address being reported on my file. I have no connection, lease, or residence history with this location. Reporting this address without permissible purpose is a violation of FCRA 604 and 607 ( b ), as TransUnion is failing to ensure maximum possible accuracy of the information on my report. I have never lived at or authorized the use of this address. TransUnion is also in violation of FCRA 609 ( c ) ( 2 ) by not providing the source of this address upon prior request. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is also being falsely reported under my credit profile. I have submitted disputes previously and yet TransUnion has willfully continued reporting this erroneous information, violating FCRA 611 ( a ) ( 1 ) ( A ) for failure to reasonably investigate my dispute. Continued inclusion of incorrect addresses can lead to mixed files and misidentification, which is a direct violation of my consumer rights under FCRA 602. 
Accounts with Issues XXXX XXXX XXXX * Date Opened : XX/XX/XXXX High Balance : {$730.00} Status : Charge Off This account is being inaccurately reported as a charge-off, despite my previous request for validation and investigation. TransUnion has failed to verify the accuracy of this information in violation of FCRA 611 and 623. JPMCB has not provided me with any written evidence or documentation verifying the legitimacy of this debt. Furthermore, under FCRA 609 ( a ) ( 1 ), I have the right to know the sources of information being reported, which I was not provided. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$330.00} Status : Late Payment This account is reporting late payments that are incorrect and misleading. I was under financial hardship and had an approved hardship agreement with the creditor, which should have prevented the reporting of delinquencies. Reporting late payments while under an active agreement is deceptive and in violation of FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). TransUnion also violated FCRA 611 by not properly investigating my prior dispute. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX High Balance : {$35000.00} Status : Late Payment This tradeline reflects multiple late payments during a time I was granted COVID-19-related deferment. The CARES Act specifically states that furnishers who agree to accommodation due to pandemic-related hardship must not report the account as delinquent. TransUnion 's failure to ensure compliance with this federal requirement violates FCRA 623 ( a ) ( 1 ) ( A ) and 602 ( a ). 
XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$220.00} Status : Charge Off This account is not only charged off but also inaccurate as it lacks proper validation. The original creditor has not proven my liability with any signed agreement or detailed billing. TransUnion has reported this information without proper verification or permissible purpose, breaching FCRA 604 ( a ) ( 3 ), 611 ( a ), and FDCPA 809 ( b ). 
XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$550.00} Status : Charge Off I previously disputed this charge-off account due to lack of authorization and non-existence of any service or contractual relationship. TransUnion has failed to delete or correct the entry even after being made aware of these facts. This is a willful violation of FCRA 623 ( a ) ( 1 ) ( B ) and 611, as well as negligence in ensuring report accuracy under 607. 
XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1500.00} Status : Charge Off Another unauthorized account falsely reported as charged-off. I have never done business with this entity and requested verification that has never been provided. This is a direct violation of FCRA 609 ( a ) ( 1 ), 623 ( b ), and FDCPA 809 ( a ). This inaccurate reporting has severely damaged my credit score and reputation. 
XXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX High Balance : {$210.00} Status : Collection This collection account is reporting without any proper debt validation notice or supporting documentation. I never received a letter as required under FDCPA XXXX ( a ) within XXXX days of initial communication. TransUnion has not verified this debt before reporting it, which is a violation of FCRA XXXX and FDCPA 807 ( 8 ). 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$170.00} Status : Charge Off This charge-off account has been reporting incorrectly. I previously requested that TransUnion remove this account due to its unverifiable nature and lack of supporting documentation. By failing to do so, TransUnion is in violation of FCRA 611 ( a ) ( 5 ) and 623 ( a ) ( 1 ). This reporting is not only damaging but also unsubstantiated and misleading. 
XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$2500.00} Status : Charge Off This charge-off is completely inaccurate and fraudulent. I never opened this account, never received services from XXXX XXXX on this alleged balance, and have no signed agreement. I submitted identity theft documentation and police report regarding this issue and TransUnion failed to block this item under FCRA 605B. Their continued reporting is reckless and negligent. 
REQUEST FOR IMMEDIATE ACTION I demand that the Consumer Financial Protection Bureau investigate TransUnions ongoing failure to uphold the requirements of the FCRA and FDCPA. TransUnion has continually ignored factual disputes, failed to verify information with original furnishers, and reported erroneous personal and account data. I am suffering ongoing injury from their failure to comply with federal law. I respectfully request that all the listed incorrect addresses be deleted from my file, that all unverifiable or inaccurate accounts be permanently removed, and that TransUnion be held accountable for willful noncompliance under FCRA 616 and 617. I am attaching identification, proof of address, police report ( where applicable ), and past dispute records to support this complaint. Please escalate this matter for immediate resolution.

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