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 formal complaint against TransUnion for failing to maintain accurate and verifiable consumer reporting as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, 1681s-2, and 1681e ( b ). I have repeatedly requested the correction and deletion of inaccurate, unverifiable, and obsolete information that continues to harm my financial reputation, creditworthiness, and emotional well-being. The following disputed items are outlined below with specific legal violations and supporting statements : XXXX XXXX XXXX XXXX, TX XXXX Issue : This address is incorrect and does not belong to me. It is being reported without permissible purpose or verification.

Violation : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

Story : I have never lived at or been associated with this address. Its inclusion is misleading and raises serious security concerns regarding identity mix-up or file merging. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : This address is inaccurately tied to my credit profile. 
Violation : FCRA 1681c Reporting outdated or incorrect data ; 1681e ( b ).

Story : I have no connection with this location. This false address raises risk of further fraudulent or incorrect reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$740.00} Issue : Account is charged-off and inaccurate ; I never authorized this debt.

Violation : FCRA 1681i Failure to properly investigate dispute ; 1692e ( FDCPA ) False representation.

Story : I have disputed this multiple times but TransUnion has continued to report it without sufficient investigation or validation. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$830.00} Issue : Late payments reported are not accurate.

Violation : FCRA 1681s-2 Furnishers must report accurate data.

Story : I was enrolled in a payment assistance plan during the affected dates. The late marks are unjust and fail to reflect the agreement with the creditor. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$630.00} Issue : Charged-off account reported inaccurately.

Violation : FCRA 1681i ; FDCPA 807 Misleading reporting.

Story : I never received any notice about this debt before it was charged off. This indicates lack of due process and consumer notification. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1300.00} Issue : Reported as charged off without proper validation or verification.

Violation : FCRA 1681b Permissible purpose ; 1681e ( b ).

Story : This account was paid. Reporting a charge-off is not only inaccurate but damaging and violates my consumer rights. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$11000.00} Issue : Account is reported as charged off, but no validation has been provided.

Violation : FCRA 1681i ; FDCPA 809.

Story : I sent dispute letters requesting investigation, but the furnisher and bureau failed to respond appropriately or delete the unverifiable data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$26000.00} Issue : Reported charged off even though I was in deferment.

Violation : FCRA 1681s-2 ; FDCPA 807.

Story : I was under documented hardship agreement, and late/charge-off status violates both contract terms and accurate reporting standards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$48000.00} Issue : Inaccurate charge-off, no prior notice or debt validation.

Violation : FCRA 1681e ( b ) ; FDCPA 809.

Story : I never received due diligence communications or proper validation before this was marked negatively. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3900.00} Issue : Account reported as charged off inaccurately.

Violation : FCRA 1681i ; 1681s-2.

Story : My account was in dispute, and creditor failed to mark it as disputed during investigation. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1400.00} Issue : Account charged off while under active dispute.

Violation : FCRA 1681s-2 ( a ) ( 3 ) Failure to report account as disputed.

Story : I filed a dispute with XXXX, yet the bureau did not flag the item accordingly and continued to allow damaging reporting. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$20000.00} Issue : Late payment reporting inaccurate.

Violation : FCRA 1681s-2 ; 1681e ( b ).

Story : Payments were made timely or under hardship. Their records are not consistent with payment confirmations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$35000.00} Issue : Reported as charged off without proper investigation.

Violation : FCRA 1681i.

Story : I challenged this with both XXXX  and TransUnion. I never received confirmation of debt or resolution. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$5400.00} Issue : Unverified charge-off remains on my report.

Violation : FCRA 1681i ; FDCPA 807.

Story : Debt was contested within time limits, but no proof provided. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : Incorrect charge-off ; I had already settled this.

Violation : FCRA 1681e ( b ).

Story : TransUnion ignored supporting documentation showing account was paid. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1300.00} Issue : Collection reported for a debt I dont owe.

Violation : FCRA 1681i ; FDCPA 809.

Story : I requested verification but received none. Debt remains unverifiable and damaging. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$630.00} Issue : Collection placed without notifying me or validating.

Violation : FCRA 1681i ; FDCPA 809.

Story : No dunning letter received, no dispute process honored. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : Duplicate collection on same or similar debt.

Violation : FCRA 1681e ( b ) ; FDCPA 807.

Story : Appears to be re-aged or duplicated. Misleading to creditors and illegal. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$430.00} Issue : Collection added recently, not mine.

Violation : FCRA 1681b Permissible purpose ; 1681e ( b ).

Story : Never had business with this entity. Identity theft or reporting error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$740.00} Issue : Duplicate collection from same original creditor ( XXXX ). 
Violation : FCRA 1681e ( b ).

Story : Double reporting same debt by different collectors is misleading and unfair. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1700.00} Issue : These entries are duplicated, unverifiable, and inconsistent.

Violation : FCRA 1681i ; FDCPA 807.

Story : Same account split into multiple entries to maximize negative impact abusive and deceptive tactic. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$740.00} Issue : Duplicate entries and unverifiable.

Violation : FCRA 1681e ( b ).

Story : Ive disputed with no resolution. These debts are false or inflated.

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : These inquiries were not authorized by me.

Violation : FCRA 1681b Permissible purpose requirement.

Story : I did not apply for credit from these companies during the mentioned dates. These inquiries harm my credit profile without my consent and suggest possible identity theft or system errors.

Conclusion : Despite my previous efforts and disputes, TransUnion has failed to investigate and correct inaccurate, misleading, and damaging information. I demand immediate deletion of all unverifiable, duplicate, and inaccurate entries and request CFPBs urgent intervention. These actions are causing me significant financial distress, emotional hardship, and loss of opportunity.

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