Consumer complaint received 2025-06-19 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:
Dear CFPB Representative, I am writing to file a formal complaint against TransUnion, LLC for their continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report. Despite previous attempts to dispute these errors, TransUnion has willfully failed to investigate, correct, and remove multiple inaccurate entriesin direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681e ( b ), and the Fair Debt Collection Practices Act ( FDCPA ).

1. Incorrect Personal Information ( FCRA 1681e ( b ) ) TransUnion has listed false and outdated addresses on my credit file that are not connected to me, my identity, or my residence history : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address These addresses are not mine, and I have never resided, worked, or been affiliated with them. Reporting inaccurate address history harms my creditworthiness and is a direct violation of the FCRA 1681e ( b ) for failing to maintain accurate records.

2. Accounts with Inaccurate, Incomplete, or Unverified Information The following accounts are either reporting incorrect statuses, contain balance or date discrepancies, are not mine, or were not properly verified after dispute : Charge-Off Accounts ( FCRA 1681s-2 ( b ) ) XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  | Balance : {$60.00} | Date Opened : XX/XX/XXXX Reporting a charge-off not validated under FCRA guidelines. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX | Balance : {$750.00} | Date Opened : XX/XX/XXXX Improper charge-off ; no debt validation provided under FDCPA 809. 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX | Balance : {$5000.00} | Date Opened : XX/XX/XXXX XXXX a charge-off without proper verification or notice.

Late Payment Accounts ( FCRA 1681s-2, FDCPA 807 ) XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX | Balance : {$5000.00} | Date Opened : XX/XX/XXXX Late payment status not substantiated after dispute. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  | Balance : {$780.00} | Date Opened : XX/XX/XXXX Incorrect late payment reporting ; dispute ignored. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX | Balance : {$21000.00} | Date Opened : XX/XX/XXXX Late payments reported without FCRA-compliant investigation.

Collection Accounts ( FCRA 1681i, FDCPA 809 ( b ) ) XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$9800.00} | Date Opened : XX/XX/XXXX No debt validation letter received. Violates FDCPA 809 ( b ). 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX | XXXX : {$980.00} | Date Opened : XX/XX/XXXX Unauthorized and unverifiable collection entry. 
CENTRAL PORTFOLIO CONT Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} | Date Opened : XX/XX/XXXX No supporting documentation provided upon dispute. 
XXXX XXXX I Account # : XXXXXXXX XXXX XXXX | Balance : {$5200.00} | Date Opened : XX/XX/XXXX Debt validation request ignored. Violates FDCPA 809. 
XXXX XXXX Account # : XXXX * * * | XXXX : {$2000.00} | Date Opened : XX/XX/XXXX Account is not mine. FCRA 1681i ( a ) violation for failure to reinvestigate.

3. Hard Inquiries Without Authorization ( FCRA 1681b ( c ) ) The following inquiries appear on my report, which I did not authorize, nor do I have any existing relationships or applications with them. Their presence is damaging to my XXXX XXXX : XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries are being reported without permissible purpose and should be removed under FCRA 1681b ( c ) ( 1 ) ( A ).

4. Violations Summary TransUnion has violated the following federal laws : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) Failure to conduct a reasonable investigation after dispute FCRA 1681b ( c ) Inquiries made without consumer consent or permissible purpose FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate, incomplete, or unverifiable information FDCPA 809 ( b ) Collection agencies listed without proper debt validation Relief Requested I request the
CFPB to : 1. Investigate TransUnions noncompliance with the FCRA and FDCPA.

2. Instruct TransUnion to immediately remove the inaccurate accounts and inquiries listed.

3. Require TransUnion to remove all incorrect addresses listed above.

4. Impose any appropriate penalties or oversight to prevent continued harm to consumers like me.

Supporting Documentation I am happy to provide copies of credit reports, dispute letters, and identity documents upon request. 
Thank you for your time and for upholding consumer protection laws.

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