Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am submitting this complaint against TransUnion for continuing to report inaccurate, incomplete, and unverifiable information on my credit file despite multiple disputes. The information being reported is harming my creditworthiness, causing denials of credit, emotional distress, and financial hardship. 

The following accounts are at issue : XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account shows a XXXX balance but is still being reported as active, which is misleading and inaccurate. 

XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$660.00} This balance is inaccurate and does not properly reflect payments that have been made. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} This account has not been properly validated, and no supporting documentation has been provided. 

XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} A third-party collector is reporting this debt without providing required validation under the FDCPA. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$680.00} This account contains outdated and incomplete information with missing creditor history. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} This account is reported with inconsistent balances and unverifiable information. 

Outdated Addresses : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, VA XXXX These addresses are outdated and should not remain on my file, as they are irrelevant and misleading. 

Legal Basis of Complaint : FCRA Section 602 ( A ) : Requires consumer reporting agencies to maintain accurate and fair reporting.

FCRA Section 607 ( B ) : Only complete and accurate information may remain on file.

FCRA Section 611 : Requires a reinvestigation of any disputed item.

FCRA Sections 616 & 617 : Holds credit reporting agencies liable for negligent and willful violations. 

FDCPA Section 809 ( a ) : Requires third-party debt collectors to validate debts before reporting them.

TransUnion has failed to comply with these laws, which has directly harmed me financially and personally.

Resolution Sought : I am requesting that the CFPB require TransUnion to : Conduct a full reinvestigation of each of the accounts listed above.

Delete any account that can not be fully verified with complete documentation. 

Remove outdated addresses from my credit report. 

Provide me with a corrected and updated copy of my credit report. 

Ensure future compliance with the FCRA and FDCPA to prevent further violations.

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