Consumer complaint received 2025-08-09 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: SC

Complaint narrative:
I am filing this complaint against TransUnion for reporting inaccurate and harmful information on my credit report despite my repeated disputes. These errors have caused damage to my credit reputation, lowered my score, and interfered with my ability to obtain credit. 

Wrong Addresses TransUnion is reporting the following addresses that do not belong to me and have no connection to my credit history : XXXX XXXX, XXXX, SC XXXX XXXX Patriot, XXXX XXXX, SC XXXX XXXX Main, XXXX, SC XXXX I have never lived at or been associated with these addresses. The presence of these false addresses suggests a serious breakdown in TransUnions data accuracy procedures, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which mandates reasonable procedures to ensure maximum possible accuracy. 

Inaccurate Late Payments TransUnion is also reporting late payments for the following accounts, which are inaccurate and unverifiable : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance {$0.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance {$0.00} ) Self / Lead XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance {$0.00} ) These accounts either have been paid in full or were never late. The reported delinquencies are false and damaging. 

Inaccurate Charge-off TransUnion is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance {$0.00} ) as a charge-off. This is completely inaccurate as the account was resolved and is not in default. Reporting a charge-off when the balance is {$0.00} and the account is closed misrepresents the account status and violates FCRA 1681i ( a ) for failure to correct inaccurate information after dispute. 

XXXX XXXX Account TransUnion is reporting a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance {$88.00} ). I have no knowledge of this debt, and no validation has been provided to prove it belongs to me. This account appears to be fraudulent or assigned in error, which violates my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my previous disputes, TransUnion has failed to investigate properly, remove inaccurate data, or provide proof of verification from the furnishers. This lack of corrective action shows noncompliance with FCRA 1681i and 1681e ( b ). 

I am requesting the CFPBs intervention to ensure that TransUnion : Immediately deletes all inaccurate addresses and accounts. 

Provides documentation proving how these items were verified. 

Implements proper procedures to prevent future errors. 

These reporting errors have directly impacted my financial opportunities, and I expect urgent resolution.

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 explanation