Consumer complaint received 2025-07-04 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: NC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion for continued reporting of inaccurate, outdated, and unverifiable information on my credit report despite prior disputes. This behavior directly violates the Fair Credit Reporting Act ( FCRA ), specifically under Sections 602, 607 ( b ), 609, and 611. These errors have caused serious damage to my creditworthiness, financial stability, and overall well-being. TransUnion has failed in its obligation to ensure maximum possible accuracy and to properly investigate disputes as required by federal law. Below are the specific inaccuracies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX Wrong Address This address is not mine, and I have never lived at or been associated with this address. Reporting such incorrect information violates FCRA Section 607 ( b ) which mandates the credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. This error is causing confusion in identity verification and suggests gross negligence in verifying my personal data. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1300.00} Late Payment This account shows late payment history that I dispute as inaccurate. I never received proper billing statements or notice of delinquency. Under FCRA 611 ( a ), I am entitled to a reinvestigation of any item I dispute as inaccurate. TransUnion has not conducted a reasonable reinvestigation. Moreover, the creditor failed to notify me of my rights as required under FCRA 623 ( a ) ( 7 ). 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$460.00} Late Payment This account contains late payment notations which are incorrect. I have documentation proving timely payments. Failure to correct these false reports is a breach of FCRA 607 ( b ) and 611. Continued reporting of inaccurate data is damaging and suggests a willful disregard of consumer protection laws. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$670.00} Late Payment I dispute the late payments listed. No sufficient validation has been provided. Per FCRA 609 ( a ) ( 1 ), I am entitled to receive all information in my file including the sources of the derogatory data. TransUnion has failed to validate or remove this information, violating my consumer rights. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$700.00} Late Payment This account reports late payment activity which is inaccurate and not reflective of the actual account status. I requested validation under FCRA 611 ( a ), yet TransUnion failed to provide any meaningful documentation or remove the disputed information. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$500.00} Late Payment This account is over a decade old and still reports derogatory information. Reporting negative data beyond the allowable time frame violates FCRA Section 605 ( a ). Additionally, no reinvestigation was conducted in good faith despite multiple dispute submissions. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2300.00} Charge Off This charge-off account is disputed due to billing errors and lack of validation. The creditor has failed to verify the accuracy of the data and provide supporting evidence. Reporting unverified data violates FCRA 623 ( a ) ( 3 ) and TransUnions failure to investigate breaches 611 ( a ). 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1200.00} Charge Off I dispute this charge-off. There were discrepancies in the account handling and no validation has been sent by the furnisher. TransUnion continues to report this account in violation of FCRA 611, despite multiple disputes and insufficient documentation from the creditor. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3200.00} Late Payment Late payments on this account are inaccurate. I made payments on time, but system errors led to false reporting. TransUnion has failed to conduct a thorough investigation or remove the negative data as required under FCRA 607 ( b ). 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1600.00} Late Payment This furnisher has failed to accurately report the payment history, which I have disputed. TransUnion has not provided verification as mandated under FCRA 609 ( a ) and failed to act upon my disputes under 611 ( a ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$42000.00} Late Payment This account contains multiple late payments that I dispute. My account was in deferment, and reporting late payments during such periods is misleading and inaccurate. TransUnion did not investigate in compliance with FCRA Section 611 or require the furnisher to provide complete records. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$59000.00} Late Payment This is a recently opened account with an erroneous late payment reported almost immediately after opening. This is clearly a reporting error. TransUnion should have flagged and verified such abnormal activity but failed to do so, violating FCRA 607 ( b ). 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$7500.00} Charge Off This charge-off is inaccurate and never validated. FCRA 623 ( a ) ( 3 ) obligates the furnisher to update or correct inaccurate data. TransUnions continued reporting without revalidation violates FCRA Section 611 and damages my credit. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3900.00} Charge Off This charge-off is being reported without any verification. I formally requested documentation under FCRA 609, but neither TransUnion nor the creditor has provided evidence. The failure to remove unverifiable data is a direct violation of Section 611. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$920.00} Late Payment This account shows late payment entries that are false. I never missed a payment. TransUnion has failed to remove the inaccurate information after repeated disputes, ignoring its obligation under 607 ( b ) and 611. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX High Balance : {$7300.00} Late Payment This is a brand new account showing late payment within days of opening which is incorrect. Such rapid delinquency should have been flagged by TransUnion. Reporting it without verification is a gross FCRA violation under 607 ( b ) and 611 ( a ). This entire pattern of negligence, lack of verificati
on, and failure to act upon my disputes represents systemic non-compliance with federal consumer protection laws. TransUnions irresponsible reporting practices have cost me financial opportunities, emotional distress, and significant reputational harm. I am requesting the Consumer Financial Protection Bureau to open an immediate investigation into TransUnion for willful non-compliance with the FCRA and failure to uphold the standards set forth under federal law. I demand full removal of all inaccurate and unverifiable accounts and incorrect address listings from my credit report, as well as appropriate corrective actions and regulatory oversight.

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