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I am filing this formal complaint against TransUnion for continued reporting of inaccurate, outdated, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. I have previously disputed these issues, yet TransUnion has failed to conduct a reasonable investigation or delete/update the items. The following items are inaccurate : WRONG ADDRESS REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is inaccurately reported on my credit report. I have no affiliation, residency, or financial connection with this address. 
Law Violated : FCRA 1681e ( b ) Duty to maintain maximum possible accuracy Expanded Story : This address was never associated with any of my legal, financial, or residential history. I have not lived at or used this address at any point in my life. Reporting this address has linked me to debts and accounts that are not mine and has significantly impaired my ability to obtain credit. Despite previous disputes and attempts to remove it, TransUnion has failed to investigate and correct this critical inaccuracy, violating their obligation to ensure accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$19000.00} Issue : Late Payment inaccurately reported Law Violated : FCRA XXXX ( b ), XXXX Expanded Story : This mortgage account was under forbearance due to XXXX assistance. The lender confirmed my participation in the assistance plan. The reported late payments occurred during a protected period when late fees and credit impacts were prohibited. This reporting misrepresents my payment history and violates federal XXXX XXXX protections and the FCRA 's accuracy standards. XXXX failure to update or correct this after dispute is a breach of their duties under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$190000.00} Issue : Late Payment Law Violated : FCRA 1681s-2 ( b ), 1681e ( b ) Expanded Story : I submitted documented evidence showing that all payments were made via auto-debit. The bank acknowledged a processing error on their end, yet TransUnion continues to reflect negative information. This false entry damages my credibility and financial profile and reflects a failure to ensure maximum possible accuracy. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$1600.00} Issue : Charge Off Law Violated : FCRA 1681s-2 ( a ), 1681e ( b ) Expanded Story : This account was settled for less than the full balance under an agreement with the lender. It should have been marked Paid Settled. The charge-off status reported by TransUnion is inaccurate and misleading. The continued presence of this account with incorrect status violates the obligation to ensure accurate and updated information. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$1900.00} Issue : Charge Off Law Violated : FCRA 1681c-2 ; FACTA Identity Theft Protection Expanded Story : This account resulted from identity theft. I submitted an FTC Identity Theft Affidavit and police report. TransUnion was obligated to block the account within 4 business days under FCRA 1681c-2, but failed to do so. This continued reporting has caused lasting harm to my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$3600.00} Issue : Charge Off Law Violated : FCRA 1681s-2 ( b ), 168XXXX ( b ) Expanded Story : I entered a XXXX hardship program with XXXX  XXXX. My agreement stated that reporting would be paused during the deferral period. However, this account was marked charged off despite no default from my end. TransUnion failed to verify this entry accurately during the dispute. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$2700.00} Issue : Late Payment Law Violated : FCRA 1681e ( b ), 1681s-2 Expanded Story : This account was a shared line with multiple users, and I was not the party responsible during the periods marked late. I provided dispute documentation, but TransUnion did not conduct a reasonable reinvestigation as required. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$510.00} Issue : Late Payment Law Violated : FCRA XXXX ( b ) Expanded Story : This account was disputed with the original creditor and closed with a refund. All transactions were reversed, yet TransUnion still reports this account with delinquencies, showing they did not verify the updated information accurately. 

ACCOUNT : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$2400.00} Issue : Late Payment Law Violated : FCRA XXXX ( b ), XXXX Expanded Story : A billing issue caused the delay, and the lender confirmed that the account should not reflect a late payment. XXXX failure to reflect this correction after several disputes is negligent. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$5800.00} Issue : Charge Off Law Violated : FCRA XXXX ( b ) ; Bankruptcy Discharge Protection Expanded Story : This account was included in my bankruptcy discharge. Reporting a charge off after discharge is misleading and illegal. TransUnion was provided documentation of discharge but refused to update the status. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$7500.00} Issue : Charge Off Law Violated : FCRA XXXX ( b ) Expanded Story : The account was paid via a structured settlement program. The status should reflect " paid '' or " settled, '' not charged off. This error severely impacts my credit and reflects poor data handling. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$53000.00} Issue : Charge Off Law Violated : FCRA XXXX ( a ) Expanded Story : This vehicle was voluntarily surrendered and settled. Reporting this as a charge-off is inaccurate. TransUnion did not correct this despite multiple communications and documentation from the creditor. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : Unknown Issue : Charge Off Law Violated : FCRA XXXX ( b ) Expanded Story : No verifiable loan agreement or disbursement records exist. This entry lacks legal basis and was not validated despite my written disputes. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$2100.00} Issue : Charge Off Law Violated : FCRA XXXX ( b ) Expanded Story : The creditor failed to credit multiple payments properly. I submitted receipts, but no updates were made. TransUnion continued to report a charge-off withXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$1300.00} Issue : Charge Off Law Violated : FCRA XXXX ( b ) Expanded Story : This was a declined loan. No funds were issued. No account should exist in my file under this lender. This is a clear case of misreporting. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$7700.00} Issue : Late Payment Law Violated : FCRA 1681s-2 ( b ) Expanded Story : All payments were made via auto-debit. XXXX admitted a system error, but TransUnion failed to reflect the correction even after formal communication from the lender. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$44000.00} Issue : Late Payment Law Violated : FCRA XXXX ( b ) Expanded Story : XXXX payment failed due to a system error that was resolved within XXXX hours. Ally confirmed no delinquency occurred. TransUnion should not report this as late. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$21000.00} Issue : Late Payment Law Violated : FCRA XXXX ( b ) Expanded Story : Payments were made on time, but TransUnion shows XXXX different FSCU accounts with conflicting balances and dates. This duplication is causing score damage and violates accuracy obligations. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$400.00} Issue : Collection Law Violated : FCRA XXXX Expanded Story : Debt was paid before collection. The creditor should have removed the account before selling it to collections. TransUnion ignored my documentation. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$680.00} Issue : Collection Law Violated : FCRA XXXX Expanded Story : This debt was paid prior to collection and still falsely appears. Repeated disputes were ignored. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$130.00} Issue : Collection Law Violated : FCRA XXXX ( b ) ; XXXX Expanded Story : Medical debt was paid by insurance. XXXX is false and violates XXXX and FCRA. No validation was ever provided. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$3400.00} Issue : Collection Law Violated : FCRA 1681s-2 ( b ) Expanded Story : This debt is unverifiable and may be a duplicate of an older settled account. Re-aging suspected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$2100.00} Issue : Collection Law Violated : FCRA 1681s-2 ; FDCPA 809 Expanded Story : The collector is unlicensed in my state. No validation letter was sent. TransUnion ignored this legal violation. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$1200.00} Issue : Charge Off Law Violated : FCRA XXXX ( b ) Expanded Story : This is a duplicate of an earlier OppLoans account. Re-reported under a different tradename to extend the damage. 
ACCOUNT : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$9900.00} Issue : Late Payment Law Violated : FCRA 1681s-2 Expanded Story : Duplicate of the earlier FSCU account listed. Two entries for the same tradeline is harmful and deceptive. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1600.00} Issue : Collection Law Violated : FCRA XXXX ; XXXX ( b ) Expanded Story : This is a third party collector reporting without proof of debt ownership. No dunning letter or validation was sent. This account is likely incorrect or fabricated. 
RELIEF REQUESTED : I am requesting the CFPB to conduct a full investigation into TransUnions negligent and unlawful credit reporting practices. I ask that all inaccurate, unverifiable, or outdated entries mentioned above be permanently deleted from my TransUnion credit file. I also request TransUnion be compelled to provide written proof of verification for each item or delete it under FCRA 1681i ( a ).

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