Consumer complaint received 2025-07-01 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:
I am filing this complaint against TransUnion for reporting false, inaccurate, and incomplete information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulations. I have disputed this information with TransUnion multiple times, but they have failed to properly investigate and correct the inaccuracies. Below is a detailed list of the errors, along with the relevant legal violations : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have never lived at or used this address. This is a clear violation of FCRA 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy. Reporting this incorrect address has exposed me to identity theft, misrepresentation, and has caused me emotional distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This is not my address and never has been. Reporting such false information is a violation of FCRA 1681i ( a ), which obligates the bureau to reinvestigate any item disputed by a consumer. Despite notifying TransUnion, they have not corrected it. 
DEPT OF ED/XXXX Acct # : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$3500.00} Late Payment This account is inaccurately reported with late payments that never occurred. This reporting is not only false but damaging. FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. TransUnion failed to correct this even after my dispute, violating FCRA 1681i ( a ). 
DEPT OF ED/XXXX  Acct # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$2000.00} Late Payment Same as above. Late payment entries are inaccurate. This harms my creditworthiness, employment opportunities, and housing. FCRA 1681c-2 ( a ) allows consumers to request the blocking of information resulting from identity theft or error. Despite proper documentation, TransUnion failed to act. 
XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$14000.00} Late Payment This account is misreported with late payments that are not accurate. I have requested validation and investigation under FCRA 1681i ( a ) and 1681s-2, but no meaningful effort was made to investigate or fix this entry. This has severely harmed my credit profile. 
XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$32000.00} Charge Off This charge-off is being inaccurately reported. I have never received a proper notice or validation of this debt, and the reported amount is incorrect. TransUnions failure to validate and verify the legitimacy of this account violates FCRA 1681i ( a ) and 1681e ( b ). The continued reporting of inaccurate derogatory information has caused me financial damage, including denial of credit and higher interest rates. 
Summary TransUnion has violated multiple sections of the Fair Credit Reporting Act, including but not limited to 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681c-2 ( a ). I have suffered emotional distress, financial hardship, and reputational damage due to their failure to ensure the accuracy and completeness of my credit file. I respectfully request that the CFPB initiate an immediate investigation into these violations and compel TransUnion to correct and remove all inaccurate, false, and unverifiable information from my credit report.

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