Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion LLC for willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically in regard to their reporting and reinvestigation of inaccurate, outdated, and unverifiable information on my credit report. 

Despite submitting a detailed dispute letter and providing clear explanations for each account, TransUnion has continued to report the following accounts and personal information inaccurately, without providing proper validation or conducting a lawful reinvestigation as required under FCRA 611, 607 ( b ), and 623. 

Below are the key items of concern : Personal Information Wrong Addresses XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX, XXXX, SC XXXX These addresses are not mine, and I have never lived at either. Reporting false addresses can cause identity confusion and is in violation of FCRA 607 ( b ). 

Disputed Accounts with Issues : XXXX XXXX  XXXX # XXXX Date Opened : XX/XX/XXXX | High Balance : {$2600.00} Issue : Late payment with no supporting documentation or verification. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) XXXX XXXX  XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | High Balance : {$5500.00} Issue : Inaccurate late payment history ; nearly a decade old with no substantiation. 
Violation : FCRA 605 ( a ), 609 ( a ) XXXX XXXX XXXX XXXXXXXX # XXXX Date Opened : XX/XX/XXXX | High Balance : {$37000.00} Issue : Late payments reported without prior notice or validation. 
Violation : FCRA 611, XXXX  XXXX  XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | High Balance : {$3400.00} Issue : Charged-off account with incomplete and outdated reporting. 
Violation : FCRA 607 ( b ) XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | High Balance : {$750.00} Issue : Late payments on a closed account that has not been properly updated. 
Violation : FCRA 611 ( a ) XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1100.00} Issue : Old account showing unverifiable late payments. 
Violation : FCRA 609 ( a XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$55000.00} Issue : False reporting of recent late payments with no prior communication. 
Violation : FCRA 623 ( b ) Summary of Violations : TransUnion failed to provide proof of investigation within 30 days as required by FCRA 611 ( a ). 

TransUnion is reporting obsolete and unverifiable information in violation of FCRA 607 ( b ). 

No proper responses have been provided regarding my personal identifying information ( addresses ) despite multiple requests. 
There is a failure to provide complete account verification or data sources as required under FCRA 609 ( a ). 

I have made good faith attempts to resolve these matters directly with TransUnion but have received unsatisfactory or no responses. These violations are materially damaging to my credit, financial opportunities, and mental well-being. 

Requested Relief : Immediate CFPB investigation into TransUnions practices. 

TransUnion should be compelled to delete or correct all unverifiable and inaccurate information. 

Enforcement of penalties for FCRA non-compliance if violations are found. 

Written confirmation of resolution and action taken. 

Thank you for your attention to this matter. I am attaching a copy of my original dispute letter, my ID, proof of address, and a copy of the credit report with the disputed items highlighted.

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