Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint against Transunion regarding their continued reporting of inaccurate information on my credit report. Despite successful removal of these items by two other major credit reporting agencies, Transunion claims that the information has been verified, which I believe is not possible given the circumstances. I mailed in Disputes requesting verification of validation of debt and have not received anything. I have provided them with Proof of Identify as well as Proof of address and they continue to have other addresses on the report. The only address that should be on the report is XXXX XXXX XXXX XX/XX/XXXXXXXX NC XXXX and the only variation of a name that should be reported is XXXX XXXX anything else should be removed. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. There are inquires that have been requested to be removed which are XXXX XXXX XX/XX/year> and credit XXXX XX/XX/year> in which i informed them that i don't recall giving my authorization for these inquires. There are several accounts that should not be reported which are XX/XX/XXXX with reporting balance of {$7700.00} XX/XX/XXXX reporting balance {$470.00} XXXX XXXX Reporting balance {$6100.00} XXXX XXXX XXXX reporting balance of {$0.00} XXXX XXXX Balance of {$3700.00} when ever a dispute is place Transunion will either remove the item and place it back, change the debt amount or change the payment history. They are also reporting A Bankruptcy, I have provided them with a letter from court stating they do not communicate with the credit agencies so how is it that they are claiming its verified and the other 2 reporting agencies have already removed it. In my case, two other credit reporting agencies have removed the disputed items, indicating that they could not verify or validate the information. This raises significant concerns about Transunion 's compliance with these legal requirements. Moreover, the Federal Trade Commission ( FTC ) has established guidelines that highlight the necessity for credit reporting agencies to remove unverifiable information. Given that the other two credit reporting agencies have corrected this error, its puzzling and concerning that this particular agency hasn't followed suit. I respectfully request that the CFPB investigate this matter and ensure that Transunion complies with the FCRA by removing the unverifiable and inaccurate items from my credit report. This issue is causing undue harm to my creditworthiness, and I seek your assistance in resolving it promptly

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