Consumer complaint received 2025-10-28 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 filing this formal complaint against TransUnion LLC for reporting inaccurate, unverified, and unauthorized information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my written dispute and request for reinvestigation, TransUnion continues to report false information that is damaging my creditworthiness, financial stability, and reputation.

TransUnion is reporting two addresses that are entirely inaccurate and not connected to me in any way. These false addresses are XXXXXXXX XXXX XXXXXXXX, CA XXXX, and XXXX XXXX, XXXX, CA XXXX. I have never lived at or used these addresses, and their presence on my credit file is a clear violation of FCRA 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of consumer information. The inclusion of these addresses suggests poor data verification procedures and creates confusion in my credit profile. 

My credit report also contains several accounts that are being falsely reported with late payments, even though I have never missed or made a late payment on any of them. The accounts being inaccurately reported include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$2.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$0.00}. XXXX XXXX These accounts have been reported with alleged late payments that are completely false and unverified. TransUnion has failed to obtain or provide any documentation or proof from the original furnishers verifying these delinquencies. 

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that is known or reasonably believed to be inaccurate. In addition, FCRA 611 ( a ) ( 1 ) ( A ) requires the credit bureau to conduct a reasonable reinvestigation of disputed information within 30 days and delete any item that can not be verified as accurate. By continuing to report these false late payment histories without providing any written verification or evidence from the furnishers, TransUnion is in direct violation of federal law.

These false entries have caused me measurable harm, including a lower credit score, loss of credit opportunities, and emotional distress due to being unfairly portrayed as an irresponsible borrower. I have maintained consistent, timely payments on all my accounts, and the reporting of false late payments has significantly damaged my financial reputation. 

Furthermore, TransUnion is reporting a collection account that is completely unverified and unauthorized. The account in question is XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$26000.00}. I have no knowledge of this account and have never received any validation notice or proof of debt from the creditor or collector, as required under the Fair Debt Collection Practices Act ( FDCPA ). Reporting a collection account without proper verification from the original creditor violates FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), which require deletion of unverifiable data. 

Despite my previous dispute, TransUnion has not provided any evidence showing that they verified this account with the original furnisher, nor have they provided me with copies of the documents they claim to have relied on during their reinvestigation. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), TransUnion is legally obligated to provide a detailed description of how the reinvestigation was conducted and what information was used to verify disputed items. Their continued reporting of this unverifiable collection demonstrates a failure to conduct a proper investigation and a disregard for my rights under the law. 

These combined errors false addresses, inaccurate late payment histories, and an unverified collection account have caused serious and ongoing harm to my credit profile. My score has been unfairly lowered, I have been denied credit opportunities, and my financial credibility has been damaged through no fault of my own. TransUnions negligence and failure to follow proper procedures constitute both negligent and willful noncompliance with the FCRA under 616617, which provide for actual and statutory damages for affected consumers.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnions failure to comply with the Fair Credit Reporting Act and take appropriate enforcement action. I also request that TransUnion be compelled to immediately delete all inaccurate, unverifiable, and unauthorized information from my credit report, including the false addresses ( XXXXXXXX XXXX XXXXXXXX, CA XXXX and XXXXXXXX XXXX XXXX  CA XXXX ), the false late payment entries for XXXX XXXX XXXX XXXX XXXX XXXX, and the unverified XXXX XXXX collection account. 

If TransUnion fails to comply, I will file additional complaints with the Federal Trade Commission ( FTC ) and the State Attorney Generals Office, and I will consider pursuing civil action for damages as allowed under FCRA 616617. I am asking the CFPB to ensure that TransUnion is held accountable for its repeated violations of federal consumer protection laws and that my credit report is corrected to reflect only accurate and verified information.

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