Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
I am filing this formal complaint against TransUnion due to the inaccurate and harmful reporting of multiple derogatory accounts, charge-offs, collections, and unverifiable information on my credit report. These errors have caused significant damage to my creditworthiness, financial opportunities, and emotional well-being. The following entries are being reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. Despite prior disputes and requests for proper investigation and verification, these accounts remain on my report, uncorrected or unresolved. 
XXXX ( Original Creditor : XXXX ) Acct # : XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$15000.00} | Status : Collection * * Issue : This account is listed as a collection with no proper validation of debt, proof of original signed agreement, or detailed itemization as required under 15 U.S. Code 1692g of the FDCPA. It is negatively impacting my report without adequate documentation.

Law Violated : FCRA 611 ( 15 USC 1681i ) Failure to conduct a proper reinvestigation. FDCPA 809 ( 15 USC 1692g ) Validation of debts. 
XXXX ( Original Creditor : MICHIGAN XXXX XXXX XXXX ) Acct # : XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$610.00} | Status : Collection * * Issue : This collection entry is inaccurate and unverifiable. No proper notice of debt or validation has been provided. The collector failed to notify me of my rights as a consumer under FDCPA before reporting.

Law Violated : FCRA 623 ( b ) Furnisher 's duty to investigate disputes. FDCPA 807 False or misleading representations. 
XXXX XXXX ( Original Creditor : XXXX ) Acct # : XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$25000.00} | Status : Collection * * Issue : This large collection account has not been validated in accordance with FDCPA requirements. I was never served or provided a full breakdown or contract. Reporting without such validation is illegal and misleading.

Law Violated : FDCPA 809 ( 15 USC 1692g ), FCRA 604 ( b ) Permissible purpose of consumer reports. 
XXXX Acct # : XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$1500.00} | Status : Charge-Off * * Issue : This account is reported as charged off, but no complete record of payment history, contract, or account activity has been supplied. Continued reporting without full verification is a breach of FCRA.

Law Violated : FCRA 611, 623 ; FDCPA 807 ( 8 ) Communicating false credit information. 
XXXX XXXX Acct # : XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off * * Issue : Despite the balance showing {$0.00}, the charge-off status is still damaging my report. This is misleading and incomplete, and no final resolution documentation has been provided.

Law Violated : FCRA 607 ( b ) Maximum accuracy. FCRA 605 Obsolete information reporting. 
XXXX Acct # : XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$1900.00} | Status : Charge-Off * * Issue : This is another account with XXXX XXXX XXXX XXXX charged-off status. I was not provided proper notice or any right to dispute prior to negative reporting, violating due process under FCRA.

Law Violated : FCRA 604 ( a ) ( 3 ) ( A ) Consumer authorization required. FDCPA 809. 
XXXX Acct # : XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off * * Issue : Reporting as a charge-off with no balance is confusing and harmful. If the balance is {$0.00}, then a charge-off status is unjustified. No closure documents were supplied.

Law Violated : FCRA 605 ( a ) ( 5 ) Misleading and outdated information. FDCPA 807 ( 2 ) ( A ). 
XXXX Acct # : XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off * * Issue : This charge-off is outdated and should no longer be reported under the 7-year limit ( FCRA 605 ( a ) ( 4 ) ). The entry has surpassed its legal reporting period and must be removed.

Law Violated : FCRA 605 ( a ) ( 4 ) Reporting time limit for charge-offs and collections. 
XXXX XXXX Acct # : XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$1900.00} | Status : Charge-Off * * Issue : This account is being reported with derogatory status but lacks supporting documentation. Additionally, there is no confirmation if the account has been sold, settled, or is still collectible.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Duty to provide accurate information. FDCPA 807 ( 10 ). 
XXXX Acct # : XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$1900.00} | Status : Charge-Off * * Issue : Multiple XXXX charge-offs are reported, which appears duplicative or inaccurate. Each must be verified with signed agreements, itemized statements, and final status.

Law Violated : FCRA 611 ; FDCPA 809.

ADDITIONAL CONCERNS : INCORRECT ADDRESSES & INQUIRIES Several addresses on my TransUnion report are incorrect, outdated, or never associated with me. These include : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX These addresses are either unfamiliar or completely unassociated with my history. This is a direct violation of FCRA 607 ( b ) which requires credit reporting agencies to maintain maximum possible accuracy. TransUnion failed to ensure that only verified addresses are listed, causing identity confusion and potential fraud risk.

In addition, multiple unauthorized hard inquiries have been made on my report without my knowledge or written consent, in violation of FCRA 604. Each inquiry must have a permissible purpose and documented proof. 
Conclusion : I am requesting immediate intervention by the CFPB to hold TransUnion accountable for the continuous reporting of inaccurate, unverifiable, and outdated information. I am also demanding a complete reinvestigation, proper deletion of unverifiable and obsolete data, and written confirmation of these corrections under FCRA 611. These violations have caused me financial harm, mental distress, and loss of credit opportunity.

I respectfully request the CFPB to demand TransUnion provide : Verification of each account with original creditor documentation Proper deletion of invalid or unverifiable items Removal of all incorrect addresses and unauthorized inquiries Written certification of corrections within the mandated timeline

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