Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I am filing this formal complaint against TransUnion for willfully and negligently reporting inaccurate and incomplete information on my credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ). TransUnion has failed to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in my credit file, and has caused significant damage to my financial standing and mental well-being. The following information outlines the incorrect reporting and accounts that are erroneous and must be removed immediately : Wrong Address Reporting Violation of FCRA 607 ( b ), 602 ( a ), 611 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are not associated with me in any capacity. I have never lived at or used these addresses. Their presence on my credit file is a clear violation of FCRA Section 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$200.00} | Date Opened : XX/XX/XXXX Late Payment * * Issue : This account inaccurately reflects a late payment, which I dispute. I have consistently made on-time payments and have documentation to support this. 
Violation of FCRA 611 ( a ) ( 1 ) ( A ) TransUnion has failed to properly investigate and correct this error despite prior notice.

Violation of FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 
XXXX XXXX XXXX Account : XXXX High Balance : {$21000.00} | Date Opened : XX/XX/XXXX Charge Off * * Issue : This account is listed as charged off inaccurately. I had a dispute and hardship agreement in place and was in communication with the creditor. Reporting this as a charge-off without including relevant consumer dispute comments violates my rights.

Violation of FCRA 611 ( a ) ( 5 ) ( A ) No proper reinvestigation conducted.

Violation of FCRA 602 ( a ) TransUnion failed to ensure fair and equitable treatment. 
XXXX XXXX Account : XXXX XXXX High Balance : {$650.00} | Date Opened : XX/XX/XXXX Late Payment * * Issue : This account shows a late payment that is factually incorrect. I made the payment within the grace period and can provide payment confirmation.

Violation of FCRA 607 ( b ) Lack of accuracy procedures.

Violation of FCRA 611 ( a ) Ignored prior disputes and failed to conduct a lawful reinvestigation. 
XXXX XXXX XXXX Account : XXXX XXXX High Balance : {$20000.00} | Date Opened : XX/XX/XXXX L

ate Payment * * Issue : I dispute the reporting of late payments. The account was in forbearance status and should not reflect delinquencies. Violation of FCRA 611 Failure to reinvestigate disputed information. Violation of FCRA 623 ( a ) ( 1 ) ( A ) Furnisher reported inaccurate information. 
XXXX XXXX XXXX Account : XXXX High Balance : {$980.00} | Date Opened : XX/XX/XXXX Collection * * Issue : This account is not mine. I was never notified of this debt, and no original creditor details were provided. 
Violation of FCRA 609 ( a ) ( 1 ) Right to full disclosure of information.

Violation of FDCPA 809 ( a ) No validation of debt provided. 
XXXX XXXX Account : XXXX High Balance : {$520.00} | Date Opened : XX/XX/XXXX Collection * * Issue : This collection account is invalid. I have no knowledge of this account and never received verification of the debt.

Violation of FCRA 611 ( a ) No reinvestigation despite dispute.

Violation of FDCPA Debt collector did not validate the debt before reporting. 
XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX High Balance : {$1200.00} | Date Opened : XX/XX/XXXX Collection * * Issue : This collection is erroneous. I requested debt validation and received no response. TransUnion continued to report this despite my dispute. 
Violation of FCRA 611 & FDCPA 809 ( b ) Failure to validate and correct information. 
XXXX XXXX XXXX Account : XXXX XXXX XXXX High Balance : {$640.00} | Date Opened : XX/XX/XXXX Collection * * Issue : This debt is inaccurate and unauthorized. I have no contractual agreement or any relationship with the original creditor.

Violation of FCRA 623 & 611 Inaccurate furnishing and failed reinvestigation.

Violation of FDCPA Unverified debt reported to the credit bureau. 
Hard Inquiries Without Authorization XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX Issue : These inquiries were made without my knowledge or consent. I did not authorize these entities to access my credit file.

Violation of FCRA 604 ( a ) ( 3 ) No permissible purpose for accessing my credit report.

Violation of FCRA 616 Willful noncompliance by furnishing parties and TransUnion for allowing access without proper documentation.

Conclusion : TransUnion has failed its duty to ensure accuracy, fairness, and proper reinvestigation procedures as mandated under the FCRA. These violations have caused me emotional distress, denials of credit, and damage to my financial reputation. I respectfully request CFPB to investigate these violations, compel TransUnion to correct and delete the erroneous items listed above, and hold TransUnion accountable under applicable federal laws. I also request that any entity that provided inaccurate or unverifiable information be required to provide supporting evidence or be removed from my file entirely.

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