Consumer complaint received 2025-06-25 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:
Dear CFPB Officer, I am filing this complaint against TransUnion LLC for continuously reporting inaccurate, unverifiable, and obsolete information on my credit report in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite submitting multiple disputes, TransUnion has failed to comply with their legal obligations to investigate and correct false entries, causing significant emotional and financial harm. 
Please find below the inaccurate information, along with a detailed explanation and supporting laws : Wrong Addresses Reported XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address Story & Issue : I have never resided at these addresses, nor authorized any use of them for my credit reporting. Their appearance suggests potential identity confusion or data contamination. These incorrect addresses not only jeopardize my credit but also expose me to identity theft. 
Violations : FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681c : Reporting of outdated/inaccurate personal information Negative Account Listings XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$15000.00} | Opened : XX/XX/XXXX | Status : Charge Off Story & Issue : This account was charged off over 7 years ago, yet it is still appearing on my report violating the 7-year reporting limitation. This is causing me to be denied auto loans and affecting my ability to rebuild financially.

Violations : FCRA 1681c ( a ) ( 4 ) : No negative data beyond 7 years XXXX XXXX XXXX  XXXX XXXX 
Acct # : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$790.00} | Opened : XX/XX/XXXX | Status : Charge Off Story & Issue : I disputed this account due to discrepancies, but TransUnion has never responded with any form of verification or investigation summary. The charge-off is misleading and damaging. 
Violations : FCRA 1681i ( a ) ( 1 ) : Duty to reinvestigate FCRA 1681e ( b ) : Inaccurate data handling XXXX. XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$1100.00} | Opened : XX/XX/XXXX | Status : Charge Off Story & Issue : I never received proper billing, statements, or communication. After disputing, TransUnion kept reporting the account as charged off without verifying its accuracy or legitimacy. 
Violations : FCRA 1681g : Right to full disclosure FCRA 1681i : Failure to investigate disputed information XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2400.00} | Opened : XX/XX/XXXX | Status : Collection Story & Issue : I requested proper validation from this debt buyer under FDCPA, but neither they nor TransUnion provided evidence of the debt. Reporting this as new collection damages my creditworthiness. 
Violations : FDCPA 809 ( 15 USC 1692g ) : Failure to validate debt FCRA 1681i : TransUnion failed to reinvestigate XXXXXXXX XXXX XXXX XXXX XXXX 
Acct # : XXXXXXXX XXXX XXXX XXXX High Balance : {$720.00} | Opened : XX/XX/XXXX | Status : Late Payments Story & Issue : During COVID-19 hardship, I missed a few payments. I applied for assistance and dispute forgiveness, but the late marks remained and TransUnion ignored the context or correction.

Violations : FCRA 1681s-2 ( a ) : Furnisher must report accurately XXXX XXXX : Accommodations must be honored XXXX. XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX | High Balance : {$7900.00} | Opened : XX/XX/XXXX | Status : Late Payments Story & Issue : I requested payment deferment, which was granted, but late payment marks were still added. I disputed with documentation, but TransUnion failed to investigate properly.

Violations : FCRA 1681i : Failure to correct inaccurate late marks FCRA 1681e ( b ) : Failure to ensure accuracy XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$7100.00} | Opened : XX/XX/XXXX | Status : Charge Off Story & Issue : I never received validation letters or statements before charge-off. I requested documentation, but TransUnion provided none and continues to report this inaccurately.

Violations : FCRA 1681g ( a ) : Right to access source information FCRA 1681i ( a ) : Reinvestigation required 8. XXXX XXXX Acct # : XXXX * * * * | High Balance : {$10000.00} | Opened : XX/XX/XXXX | Status : Late Payments Story & Issue : This account contains multiple late payment entries despite a hardship arrangement and partial forgiveness. My dispute and hardship letters were ignored by TransUnion.

Violations : FCRA 1681s-2 : Furnishers duty to update/correct FCRA 1681e ( b ) : Reasonable procedures not followed Unauthorized/Unverified Inquiries XXXX. XXXX FCU XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Story & Issue : I never applied for credit with these entities. These inquiries were not authorized and may be the result of identity theft or unauthorized credit pulls.

Violations : FCRA 1681b ( c ) : Inquiries must be based on permissible purpose FCRA 1681n & 1681o : Civil liability for willful/negligent misuse Final Statement TransUnions repeated failure to maintain accurate information, conduct reinvestigations, and remove unverifiable or obsolete entries constitutes willful non-compliance with the Fair Credit Reporting Act. This has caused me financial loss, credit denial, and emotional distress. I am requesting urgent CFPB intervention.

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