Consumer complaint received 2025-07-02 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: TN

Complaint narrative:
I am submitting this formal complaint against TransUnion for their ongoing failure to maintain accurate and verifiable information on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. I have previously disputed these errors directly with TransUnion, and they have not conducted a reasonable investigation nor provided proof of verification for the disputed entries. Below are the specific inaccurate or unverifiable items that remain on my report : XXXX XXXX XXXX XXXX XXXX, TN XXXX Wrong Address This address is incorrectly reported on my credit report. I have never lived at this location, nor do I have any connection to it. TransUnion has failed to remove this inaccurate address despite prior notice, which is a violation of FCRA 1681i ( a ) requiring reasonable reinvestigation. The presence of this address raises serious concerns about mixed files or potential identity confusion, and it is causing harm to my credit profile and personal credibility. 
XXXX XXXX XXXX XXXX, TN XXXX Wrong Address This is another address that has been erroneously listed on my report. I have never resided at this property nor provided this address to any creditor. Reporting inaccurate personal identifying information is a violation of FCRA 1681e ( b ), which mandates the credit reporting agency to maintain maximum possible accuracy. This address being linked to my report increases the risk of inaccurate account matching and financial liability for accounts that do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$17000.00} Late Payments This account is inaccurately reporting late payments, and I dispute the accuracy of these delinquencies. TransUnion has continued to report this without providing any documented evidence of the actual due dates, payment history, or validation of the alleged delinquencies. Under FCRA 1681i ( a ), I have the right to request a reasonable reinvestigation and actual documentation, not just a computer verification. Moreover, per FCRA 1681s-2 ( b ), data furnishers are obligated to correct and update inaccurate or incomplete information once a dispute is filed, which has not been fulfilled. The continued reporting of unverifiable derogatory marks is negatively impacting my creditworthiness and is unacceptable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$270.00} Collection Account This collection account is being reported without proper validation. I have never received a notice of debt as required by the FDCPA 15 U.S. Code 1692g ( a ), nor has TransUnion provided any documentation to prove the debts ownership, amount, or date of default. Reporting a collection account without full validation and continued re-reporting during dispute investigation violates both the FCRA 1681i and 1681e ( b ). Additionally, XXXX. XXXX furnishing of potentially inaccurate and unverified debt to TransUnion without a proper investigation from the CRA constitutes willful non-compliance under FCRA 1681n. This is not only misleading but is damaging my financial reputation and ability to obtain credit.

I demand immediate removal of the above addresses and accounts unless TransUnion can provide full, legally required verification as defined by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I also request that this complaint be used to initiate a comprehensive review of TransUnions investigation procedures, as their continued failure to remove erroneous information after multiple disputes suggests a systemic issue in compliance with federal law. I respectfully request CFPB intervention to ensure the accuracy and integrity of my credit file.

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