Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
I am submitting this complaint regarding TransUnions continued reporting of inaccurate, unverifiable, and misleading information on a consumer credit report despite the legal obligation to maintain maximum possible accuracy under the Fair Credit Reporting Act. The issues described below reflect failures under 15 U.S.C. 607 ( b ), 611 ( a ), and 609 ( a ), and warrant CFPB review due to improper reinvestigation standards and continued publication of incorrect data. 
TransUnion is reporting the address XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, which is not mine, I have no knowledge of it, and it has never been associated with me in any capacity. Its presence on the credit file is inaccurate and demonstrates inadequate procedures to prevent erroneous personal identifying information from being reported. 
TransUnion is also reporting the address XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, which is likewise not mine, unfamiliar to me, and has no connection to my credit history. This incorrect address must be deleted, as it compromises the integrity of the credit file. 
The XXXX XXXX account ( XXXX ) opened on XX/XX/XXXX with a reported high credit of {$300.00} is being reported with late payment history that is inaccurate. There is no factual basis or verifiable documentation supporting the claim that this account was ever paid late, and the late payment reporting does not reflect correct account behavior. 
The XXXX XXXX XXXXXXXX XXXX  account ( XXXX ) allegedly opened on XX/XX/XXXX with a reported high credit of {$0.00} is being reported with late payments. This reporting is misleading and unverifiable, as no competent evidence has been provided to substantiate any delinquency. 
The XXXX XXXX XXXX account ( XXXX ) opened on XX/XX/XXXX and reported with a high credit of {$0.00} is inaccurately reflecting late payment history. The reported information does not meet accuracy or verification standards required by law. 
XXXX XXXX XXXX  account ( XXXX ) opened on XX/XX/XXXX is reported with late payments despite reflecting a high credit of {$0.00}, creating an internally inconsistent and inaccurate tradeline that can not be properly verified. 
XXXX XXXX XXXX account ( XXXX ) opened on XX/XX/XXXX with a high credit of {$1600.00} and reported as a charge-off is not recognized. I have no knowledge of this account, did not authorize it, and have no contractual relationship with this creditor. The reporting of this charge-off is inaccurate and must be deleted. 
The XXXX XXXX XXXX account ( XXXX ) opened on XX/XX/XXXX and reported as a charge-off is also not recognized. I have no knowledge of this account and dispute that it belongs to me. TransUnion has not demonstrated that this account has been properly verified. 
The XXXX XXXX account ( XXXX ) allegedly opened on XX/XX/XXXX with a reported balance of {$630.00} and listed as a collection account is disputed in full. I have no knowledge of this alleged debt, have not been provided lawful validation, and TransUnion has not established that this account is mine. 
In addition, TransUnion is reporting multiple hard inquiries that were not authorized and for which no permissible purpose has been demonstrated under FCRA 604, including XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These inquiries are impermissible and must be removed. 
I am requesting that the CFPB require TransUnion to conduct a lawful and reasonable reinvestigation using competent evidence obtained directly from the original furnishers rather than automated or superficial verification methods. Any item that can not be fully verified must be deleted, and all inaccurate addresses must be removed. I am also requesting written confirmation of the investigation results and a corrected copy of the credit report. 
TransUnions continued reporting of these inaccuracies demonstrates a failure to comply with its obligations under the Fair Credit Reporting Act, and CFPB assistance is requested to ensure proper resolution and compliance.

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