Consumer complaint received 2025-06-20 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: MO

Complaint narrative:
I am submitting this formal complaint against TransUnion for continuously reporting inaccurate and unverifiable information on my credit file, despite my prior efforts to resolve these issues directly. This is now a repeated violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
I have previously disputed the following items with TransUnion, but they failed to conduct a reasonable investigation as required under 15 U.S. Code 1681i and continued reporting erroneous and harmful data.

Wrong Address Reporting FCRA Violations TransUnion is inaccurately associating me with the following addresses that do not belong to me, have no verifiable connection to my identity, and are damaging my credit profile : 1. XXXX XXXX XXXX, XXXX, MO XXXX Wrong Address 2. XXXX XXXX XXXX, XXXX, MO XXXX Wrong Address Legal Basis : Under 15 U.S. Code 1681e ( b ), credit bureaus must follow reasonable procedures to ensure maximum possible accuracy of the consumer 's information. Reporting outdated or false addresses violates this duty.

Additionally, under 15 U.S. Code 1681i, once a dispute is submitted, the bureau must delete or correct inaccurate data unless it can be verified.

Inaccurate Account Information Charge-Offs and Collections 1. XXXX XXXX  # XXXX High Balance : {$4700.00} Date Opened : XX/XX/XXXX Issue : Reporting as Charge-Off, which I have disputed previously. 
Dispute History : No proper verification provided ; no original signed contract or payment history substantiating debt. 
Legal Violation : Violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed item.

Violation of 15 U.S. Code 1692g ( under FDCPA ) Failure to provide validation of debt. 
2. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  High Balance : {$3400.00} Date Opened : XX/XX/XXXX Issue : Listed as Charge-Off, not validated, possibly a case of identity misuse or reporting in error.

Legal Violation : 15 U.S. Code 1681b Permissible purpose violations if account doesn't belong to me. 
15 U.S. Code 1681e ( b ) Lack of accuracy and verification. 
3. XXXX XXXX XXXX # XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX Issue : Listed as Collection, no validation provided, collection appears unverifiable and inaccurate. 
Legal Violation : 15 U.S. Code 1692g ( b ) Debt collectors must cease collection and verify debt upon dispute.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable item after investigation.

Summary of Violations Failure to maintain accuracy and remove unverifiable information ( FCRA 1681e ( b ), 1681i ) Continued reporting of false addresses without validation Failure to properly investigate consumer disputes ( FCRA 1681i ) Failure to provide validation of debts from furnishers/collectors ( FDCPA 1692g ) Requested Resolution 1. Immediate deletion of all the above-referenced inaccurate addresses and accounts from my TransUnion credit file.

2. A complete investigation as required under FCRA guidelines.

3. Written explanation of steps taken during the reinvestigation and source of the disputed information.

4. Compensation for any damages caused by TransUnions negligent handling of my credit data

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