Consumer complaint received 2025-07-08 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:
I am submitting this formal complaint against TransUnion for severe and repeated violations of the Fair Credit Reporting Act ( FCRA ) and failure to maintain accurate, verifiable, and complete information in my credit file. Despite my good faith efforts to resolve these issues, TransUnion has allowed several inaccurate derogatory accounts and false personal addresses to remain on my credit report, causing financial harm, denials, and emotional distress. The following items are inaccurate, unverifiable, and damaging, and I am requesting that the CFPB take immediate enforcement action and compel TransUnion to correct these errors under applicable laws XXXX XXXX  XXXX, CA XXXX Wrong Address I have never lived at this address and have no known connection to it. Reporting this address violates FCRA 1681e ( b ), which requires credit bureaus to maintain accurate identification information. Including this false address risks the misattribution of debts that are not mine XXXX XXXX XXXX, CA XXXX Wrong Address This is another completely inaccurate and unrecognized address. TransUnions inclusion of this address is reckless and violates FCRA 1681i ( a ), which mandates a reasonable reinvestigation when a dispute is filed. No proof or documentation exists to associate me with this address XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX This account reports a high balance of {$5600.00} and a charge-off status. I dispute the accuracy and validity of this debt and assert that I never received proper validation under 15 U.S.C. 1692g of the FDCPA. There are no signed documents or billing statements sent to me to confirm this debt. The presence of this account in conjunction with the wrong addresses listed above raises serious concerns of file-mixing or identity theft. The account violates FCRA 1681s-2 ( b ), which requires furnishers to report complete and accurate information and investigate disputes XXXX Account # XXXX XXXX XXXX Charge-Off This account shows a high balance of {$4400.00} and was opened on XX/XX/XXXX. I was not given notice of delinquency or an opportunity to settle the balance prior to being reported as charged off. I dispute the reporting accuracy under FCRA 1681i and demand that XXXX  provide actual proof of my responsibility for this debt. Without proper verification, this account is unlawfully damaging my credit profile XXXX Account # XXXXXXXX XXXX XXXX Charge-Off This account was opened on XX/XX/XXXX and quickly charged off with a balance of {$4000.00}. The timeline and lack of communication raise concerns of fraudulent activity or incorrect data. I dispute this account entirely and request deletion under FCRA 1681i ( a ) as it can not be verified or proven to be mine. I never received statements, communications, or validation of this alleged obligation XXXX XXXX  Account # XXXX XXXX XXXX XXXX Late Payments This auto loan account reflects multiple late payments despite my submission of hardship assistance requests that were either ignored or improperly processed. The creditors failure to report these communications and agreements accurately violates FCRA 1681e ( b ). The reported delinquencies are not reflective of my actual payment efforts or situation and must be corrected XXXX Account # XXXX XXXX XXXX XXXX Charge-Off This account reflects a high balance of {$13000.00} and was opened on XX/XX/XXXX, yet was almost immediately charged off. I never received any communication, contract, or validation related to this debt, which indicates either fraudulent activity or incorrect reporting. Under FCRA 623 and 15 U.S.C. 1692g, the creditor must validate the debt and furnish accurate information, which they have failed to do. This item must be removed XXXX XXXX Account # XXXX XXXX XXXX  Charge-Off This account reports a balance of {$880.00} with a charge-off status and was opened on XX/XX/XXXX. I have no knowledge of this account, received no billing or communication from this company, and believe this entry is the result of incorrect data or identity theft. This furnisher has not verified the debt as required under FDCPA 809 and FCRA 1681i. I am demanding its removal from my report TransUnions failure to remove these inaccurate addresses and unverifiable accounts constitutes a violation of my rights under FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), and the Fair Debt Collection Practices Act 809. I respectfully request that the CFPB investigate TransUnions negligent practices, hold them accountable for failure to comply with federal law, and ensure that all inaccurate and unverifiable information is deleted from my credit file. I am suffering harm in the form of credit denials, increased interest rates, emotional distress, and potential damage to employment and housing opportunities. I have provided notice and documentation to TransUnion, yet they continue to allow these inaccuracies to remain. I seek your assistance to enforce my rights and compel the credit bureau and data furnishers to comply with federal 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 non-monetary relief