Consumer complaint received 2025-07-15 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 CFPB Investigator, I am filing this formal complaint against TransUnion for their continued failure to report accurate and verifiable information on my credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), yet the following accounts and items remain improperly reporteddespite clear violations of federal consumer protection laws. These inaccuracies are significantly harming my creditworthiness and causing undue financial stress. 

Below are the disputed items : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Incorrect address ; I have never resided at this location. 
Law : FCRA 1681c ( a ) ( 4 ) Credit bureaus must not report inaccurate identifying information.

Story : This false address has no connection to me, yet it remains on my credit report. It may be a result of mixed file or erroneous data entry. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : Wrong address reported ; not associated with me. 
Law : FCRA 1681e ( b ) Maximum possible accuracy must be ensured. 
Story : My identity is being confused with someone elses, creating serious concerns over account validity and reporting integrity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account shows both a charge-off and an active balance. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) ; Metro 2 Compliance Story : This creates misleading information. If charged off, no balance should remain. This misrepresentation harms my credit reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payments are reported inaccurately. 
Law : FCRA 1681i ( a ) Credit bureaus must reinvestigate disputes. 
Story : I did not miss any payment, yet late marks were reported, affecting my score and credibility. 

XXXX. XXXX XXXX Issue : Late payment reporting that is false or unverified. 
Law : FCRA 1681e ( b ) Must ensure accuracy. 
Story : Billing cycle confusion led to incorrect reporting ; no actual default occurred. 

XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged-off account showing active balance. 
Law : FDCPA XXXX07 ( 2 ) ( A ) ; FCRA 1681s-2 ( b ) Story : Dual reporting of a charge-off with a balance is inaccurate and unfairly suppresses my credit. 

XXXX XXXX XXXX XXXX Issue : Reported as a charge-off despite {$0.00} balance. 
Law : FCRA 1681e ( b ) Story : Outdated derogatory data with XXXX balance should not reflect negatively on my report. 

XXXX XXXX XXXX Issue : Old charge-off account with {$0.00} balance still affecting credit. 
Law : FCRA 1681s-2 ( a ) Story : This data is stale, resolved, and misleading to lenders. Its continued presence is damaging. 

XXXX. XXXX XXXX Issue : Collection account reporting without validation. 
Law : FDCPA 809 ( b ) ; FCRA 1681g Story : No validation of the debt has been provided. It was never acknowledged or verified by the collector. 

XXXX. XXXX XXXX XXXX XXXX Dated XX/XX/year> Issue : Unauthorized hard inquiry. 
Law : FCRA 604 ( a ) ( 3 ) Must have permissible purpose. 
Story : I did not initiate or authorize this inquiry. It is an invasion of privacy and negatively affects my credit score.

Requested Resolution : I am requesting that the CFPB intervene and enforce TransUnion 's compliance with the FCRA and FDCPA. I demand the immediate deletion or proper correction of all the accounts listed above. If TransUnion or its data furnishers can not provide full documentation, contracts, and verification of account accuracy, these items must be removed. 

I am attaching a copy of my government-issued ID and proof of residence to verify my identity, along with supporting screenshots and my most recent TransUnion credit report. 

Thank you for your attention to this matter. Please keep me updated regarding the outcome of this investigation.

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