Consumer complaint received 2025-06-26 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:
To Whom It May Concern I am submitting this formal complaint against TransUnion for failing to uphold its legal obligations under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 and related federal consumer protections. Despite my prior disputes and the clear evidence I have submitted, TransUnion continues to report inaccurate, unverifiable, and misleading information on my credit report, which is causing ongoing harm to my financial wellbeing, credibility, and peace of mind. I also have a pending complaint with the Consumer Financial Protection Bureau ( CFPB ), and this matter remains unresolved XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Wrong Address This address is completely inaccurate and does not belong to me. I have never lived at, used, or been associated with this address. Reporting this address violates FCRA 1681e ( b ), which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information contained in consumer reports XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is also an inaccurate address. I have not resided or received mail at this location. The continued presence of this address constitutes false reporting and is a violation of FCRA 1681c ( a ) ( 5 ), which requires exclusion of incorrect outdated addresses XXXX XXXX XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Charge Off This account is inaccurately reported as a charge-off. I previously submitted disputes requesting verification of the alleged debt, but no verifiable evidence or proper validation was ever provided. Under FCRA 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation when a consumer disputes an item. Continued reporting without proper verification is a violation of my rights and represents negligence in maintaining accuracy XXXX  XXXX XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting false late payment information. I never missed a payment on this account, and this derogatory mark is harming my credit score. I demand immediate removal under FCRA 1681s-2 ( b ), which outlines the duties of furnishers of information to reinvestigate and correct or delete inaccurate or incomplete information XXXX XXXX XXXX XXXXXXXX High Balance : {$43000.00} Date Opened : XX/XX/XXXX Late Payment This is being reported with alleged late payments which I have disputed several times. No investigation was properly conducted and no supporting documentation was provided to substantiate this derogatory information. TransUnions refusal to investigate violates FCRA 1681i and 1681e ( b ) for failing to ensure accuracy and conduct proper reinvestigations XXXX Inquiry Date : XX/XX/XXXX This unauthorized inquiry was done without my consent or permissible purpose. I did not authorize this credit pull, and therefore this is a direct violation of FCRA 1681b ( f ) which prohibits obtaining a consumer report without a legally permissible purpose XXXX Inquiry Date : XX/XX/XXXX This is another unauthorized inquiry on my report. I was not informed of nor did I authorize this access to my credit report. TransUnion has failed to verify or remove this inquiry despite prior disputes. This constitutes a clear violation of FCRA 1681b and 1681c This continued reporting of inaccurate and unverifiable information despite repeated disputes is not only harmful but also a blatant violation of FCRA laws that are in place to protect consumers like myself. TransUnion has failed in its duties under FCRA 1681e ( b ) to maintain maximum possible accuracy, 1681i ( a ) to conduct reasonable reinvestigations, and 1681s-2 ( b ) to correct or delete information after notice of dispute. This pattern of non-compliance and negligence demands urgent corrective action. I am requesting that TransUnion immediately delete or correct all of the disputed items listed above, issue a revised consumer credit report, and provide confirmation of resolution. Continued failure to comply will result in further legal action and escalation to the appropriate regulatory authorities

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