Consumer complaint received 2025-11-06 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 submitting this complaint personally and directly to the Consumer Financial Protection Bureau regarding TransUnions continued failure to conduct a lawful and reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ). This is my third round of disputes, and despite multiple submissions, TransUnion continues to verify inaccurate, incomplete, and unverified information that is severely damaging my credit profile.

TransUnion falsely reported my submission as being filed by a third party, which is entirely untrue. I personally filed each dispute, provided supporting documentation, and communicated directly as the consumer. This misrepresentation itself raises concerns about the accuracy and integrity of TransUnions investigation process.

My credit report continues to contain false addresses, accounts I have no knowledge of, inaccurate payment histories, and unauthorized inquiries. TransUnion has failed to provide any documentation or verification supporting the accuracy of these items, violating my rights under FCRA 602, 607 ( b ), 611 ( a ), and 623 ( a ). 

The addresses XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX are still being reported even though neither address belongs to me. I have never lived or received mail at either of these addresses, yet TransUnion continues to include them. 

Several Department of Education accounts are falsely showing late payments even though I have never missed a payment. These include DPT EDXXXX XXXXXXXX XXXX opened on XX/XX/XXXX with a balance of {$1600.00} ; DPT EDXXXX XXXX, opened on XX/XX/XXXX with a balance of {$3500.00} ; DPT EDXXXX XXXX, opened on XX/XX/XXXX with a balance of {$4000.00} ; and DPT EDXXXX XXXXXXXX XXXX opened XXXX XX/XX/XXXX with a balance of {$1000.00}. All these accounts are being inaccurately reported with late payment history, which is completely false. 

There are also several charge-off accounts that I have no knowledge of and never authorized. These include XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1100.00} ; XXXX  XXXX, opened on XX/XX/XXXX with a balance of {$0.00} ; and XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1500.00}. These accounts are not mine, yet TransUnion continues to report them as valid even after multiple disputes, which violates the reinvestigation requirements under FCRA 611. 

Additionally, there are collection accounts being reported by XXXXXXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$730.00}, and XXXX XXXX, opened on XX/XX/XXXX with a balance of {$170.00}. I have no knowledge of these accounts, have never done business with these entities, and TransUnion has failed to provide any form of verification or documentation proving their legitimacy. 

There are also several hard inquiries appearing on my TransUnion credit report that I did not authorize. These include inquiries from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX dated XX/XX/XXXX ; XXXX  XXXX dated XX/XX/XXXX ; XXXX dated XX/XX/XXXX ; and XXXX  XXXX dated XX/XX/XXXX. These inquiries were not initiated or approved by me and represent clear violations of FCRA 604 ( a ) regarding permissible purpose. 

Despite multiple rounds of written disputes and supporting evidence, TransUnion continues to report these same items without providing any verification from the furnishers or removing the inaccurate data. This ongoing behavior reflects a willful disregard for the accuracy standards required by federal law and demonstrates noncompliance with FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

I am requesting the CFPB to investigate TransUnions failure to comply with the Fair Credit Reporting Act, its mishandling of consumer disputes, and its refusal to delete or correct unverified information after multiple lawful requests. TransUnions continued reporting of false and unverified information has caused harm to my credit reputation, financial standing, and peace of mind. 

I am requesting the CFPB to take appropriate action to ensure that TransUnion performs a full reinvestigation, provides proof of verification for each disputed item, and removes all inaccurate, incomplete, or unauthorized data from my credit file immediately.

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