Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am filing this formal complaint against TransUnion for repeatedly reporting inaccurate and unverifiable information on my credit file, despite previous disputes and sufficient time provided for proper investigation. The following entries on my credit report are grossly inaccurate and are causing ongoing harm to my financial standing, employment opportunities, and emotional well-being. 
1. XXXX XXXX XXXX  XXXX XXXX, NJ XXXX Wrong Address Issue : I have never lived at this address, nor do I have any association with it. Its appearance on my credit report is entirely inaccurate and misleading. 
Law Violated : FCRA 607 ( b ) credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy ; FCRA 602 ( a ) right to privacy.

Story : This address was never provided by me nor verified through any legally acceptable documentation. Its inclusion creates confusion and opens the door for potential identity mix-ups or fraud. I have disputed this in the past, yet TransUnion failed to conduct a meaningful reinvestigation. It is affecting my credit profile and causing reputational harm. I request immediate removal and investigation. 
2. XXXX XXXX XXXX  XXXX, NJ XXXX Wrong Address Issue : This address is falsely connected to my credit file and does not belong to me in any capacity. 
Law Violated : FCRA 605 ( b ), FCRA 611 ( a ), FCRA 607 ( a ) Story : This is another instance of an address that I have never lived at or used. Its presence may result from data entry error or identity confusion, but TransUnion has failed to remove it even after previous disputes. Allowing this false data to remain violates my rights as a consumer and indicates that the bureau is not following the legal requirement to ensure the accuracy of consumer information. 
3. XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$100.00} Collection * Issue : This collection account is not mine and is being reported without proper validation or verification. 
Law Violated : FDCPA 809 ( a ) debt collector must validate debt ; FCRA 611 ( a ) ( 1 ) ( A ) ; FCRA 607 ( b ) Story : I never received any notice regarding this account, and no proof has been furnished that I owe this debt. The reporting agency has not provided a copy of the original contract or billing history. Without that, this account should not be reported at all. TransUnions failure to remove this account after dispute shows clear non-compliance with federal consumer protection laws. This entry is unfairly damaging my credit score and financial opportunities.

4. XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$740.00} Charge Off * * Issue : This charge-off is being reported inaccurately and without complete account validation. 
Law Violated : FCRA 611, FCRA 607 ( a ), FCRA 604 ( a ) ( 2 ), FDCPA 807 ( false representation ). 
Story : This account does not reflect the correct payment history or current balance. No documentation has been provided to validate the charge-off. There is also a lack of transparency regarding the balance calculation and no contractual evidence has been submitted. Despite my previous disputes, TransUnion did not offer any reasonable proof that this account is accurate. As a result, this is causing serious harm to my creditworthiness and mental well-being. The lack of reinvestigation and failure to ensure accuracy is a clear violation of the FCRA. 
This continued misreporting is unjustified and constitutes negligence on the part of TransUnion for not fulfilling their legal obligation to remove or correct incomplete or inaccurate information under FCRA Section 604 ( a ) ( 2 ) and Section 610. This charge-off is damaging my credit and does not reflect the current status of the account accurately. TransUnions failure to act in good faith and in accordance with federal law has resulted in ongoing financial and reputational harm. I request immediate intervention by the CFPB to investigate these violations and mandate TransUnion to delete all unverifiable, inaccurate, and outdated entries from my credit report. I am also requesting the CFPB to hold TransUnion accountable for their negligence and noncompliance with federal law and to ensure that all credit reporting agencies comply with FCRA mandates to maintain accurate consumer data.

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