Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
I am filing this formal complaint against TransUnion for continued violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681, by reporting inaccurate personal information, erroneous account information, and an unauthorized credit inquiry all of which are causing me measurable harm. Despite my previous efforts to dispute these inaccuracies, TransUnion has failed to investigate, correct, or delete the false information as required by law. 
XXXX XXXX XXXX, GA XXXX Issue : This address does not belong to me and has never been associated with my identity, housing, or credit profile. 
Law Violated : FCRA 609 ( c ) ( 2 ), 611 ( a ), and 607 ( b ) require CRAs to ensure maximum accuracy and investigate disputed information. 
Story : I have never lived at this location. Its inclusion on my credit file has resulted in credit denials and suspicion of fraud. I have provided identification and utility bills showing my actual residence, yet TransUnion continues to report this wrong address. 
XXXX XXXX XXXX, GA XXXX Issue : This is an incorrect address, never linked to me or used in any application. 
Law Violated : FCRA 609 ( c ) ( 2 ), 607 ( b ) Story : I am not the individual who lived at this address, and its presence in my file creates unnecessary risk of mixed files. My identity has been flagged due to this address during multiple verification processes. 
Late Payments ( Inaccurate or Harmful ) FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ), CARES Act XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$800.00} * * Issue : Late payment reported during COVID hardship period.

Law Violated : CARES Act, FCRA 623 ( a ) ( 1 ) ( A ) Story : I was approved for hardship deferment under CARES Act. Reporting me late during this period is a direct violation. I have documentation proving eligibility. 
XXXX Acct # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$2500.00} * * Issue : False late mark after payment system failure. 
Law Violated : FCRA 611 ( a ) Story : Payment was made but not processed due to their system downtime. I submitted a dispute, but TransUnion continued to report it. This is harming my mortgage pre-approval. 
XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$3200.00} * * Issue : Recent account falsely flagged as late immediately after opening. 
Law Violated : FCRA 607 ( b ) Story : There was no billing cycle completed when the late status appeared. This proves gross inaccuracy and lazy reporting. This kind of error has a significant impact on my newly established credit history. 
XXXX Acct # XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1000.00} * * Issue : Late mark due to internal processing delay. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) Story : I submitted a dispute through the creditor who acknowledged error but TransUnion didnt update it. They are violating their duty to maintain accurate records after notification. 
Department of Education / XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Multiple Accounts XXXX XXXX  Issue : Late payments reported during deferment/IDR/forbearance periods. 
Law Violated : FCRA 623 ( a ) ( 1 ) ( A ), CARES Act Story : All these student loans were in deferment or forbearanceespecially during the federal payment pause. Reporting late payments during these periods is unlawful under the CARES Act and FCRA. These entries have blocked my access to grants, refinancing, and educational loans. 
Conclusion : TransUnion has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by including multiple false addresses, reporting inaccurate or outdated payment information, and allowing unauthorized access to my credit file. I have disputed these entries multiple times with supporting documentation and have not received a fair or thorough reinvestigation. 
I respectfully request the CFPB to : Compel TransUnion to delete all incorrect addresses Remove or correct all disputed accounts with verified inaccuracies Remove all unauthorized inquiries Ensure compliance with FCRA 607 ( b ), 611 ( a ), 623 ( a ), and the CARES Act Provide me with written notice of the actions taken

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