Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against TransUnion for reporting inaccurate, incomplete, and unverifiable information on my consumer credit file, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my prior attempts to correct these inaccuracies, TransUnion has failed to conduct a reasonable investigation or properly respond, which has caused significant harm to my financial stability, employment opportunities, and emotional well-being.

Incorrect Address Reporting TransUnion is reporting an address that does not belong to me : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX This address is inaccurate and does not reflect any current or previous residence. Reporting such false information constitutes a violation of FCRA Section 607 ( b ), which mandates credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Disputed Accounts with Inaccurate, Outdated, and Unverified Information The following accounts are reported inaccurately. Some are reporting incorrect payment history, others are duplicate or unverifiable, and many reflect status updates without any validation or notice, which violates FCRA Sections 611, 623, and 602 : XXXX. XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o Status : Charge Off | Balance : {$460.00} Reported as a charge-off without proper notice or verification.

Violations : FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ) 2. PFS o Acct # : XXXXXXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Status : Late Payments | Balance : {$11000.00} Contains inaccurate late payment reporting ; no substantiating documentation provided upon request. 
Violations : FCRA XXXX ( b ) ( XXXX ) ( B ), XXXX ( a ) XXXX. XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX o Date Opened : XX/XX/XXXX o Status : Collection | Balance : {$450.00} This debt is disputed and may be a duplicate account without validation.

Violations : FCRA 611 ( a ), 623 ( a ) ( 3 ) 4. XXXX XXXX XXXX o Acct # : XXXX * o Date Opened : XX/XX/XXXX o Status : Collection | Balance : {$380.00} No debt validation was provided ; questionable collection practices.

Violations : FCRA 609 ( a ) ( 1 ), 623 ( b ) 5. XXXX XXXX XXXX o Acct # : XXXX * * o Date Opened : XX/XX/XXXX o Status : Collection | Balance : {$520.00} Disputed account ; no proof of original creditor or valid agreement.

Violations : FCRA 623 ( a ) ( 4 ), 611 ( a ) ( 1 ) 6. XXXX XXXX XXXX Acct # : XXXX * o Date Opened : XX/XX/XXXX o Status : Collection | Balance : {$3700.00} Alleged rental balance ; account lacks documentation and was not verified.

Violations : FCRA 611 ( b ), 623 ( b ) 7. XXXX XXXX XXXX XXXX Acct # : XXXX * o Date Opened : XX/XX/XXXX o Status : Collection | Balance : {$1200.00} Debt is disputed ; creditor failed to notify me before reporting.

Violations : FCRA 623 ( a ) ( 7 ), 607 ( b ) 8. XXXX XXXX XXXX XXXX Acct # : XXXX * o Date Opened : XX/XX/XXXX o Status : Collection | Balance : {$1200.00} Duplicate or transferred debt. No clear chain of title or validation.

Violations : FCRA 623 ( b ), 611 ( a ) 9. XXXX XXXX XXXX  o Acct # : XXXX * * o Date Opened : XX/XX/XXXX o Status : Collection | Balance : {$350.00} This collection does not belong to me. No validation received.

Violations : FCRA 609 ( a ), 623 ( b ) ( 1 ) 10. XXXX o Acct # : XXXXXXXX XXXX XXXX  o Date Opened : XX/XX/XXXX o Status : Collection | Balance : {$820.00} Reported without my knowledge or verification of the debt.

Violations : FCRA 623 ( a ) ( 5 ), 611 ( a ) 11. XXXX XXXX o Acct # XXXX XXXX * * o Date Opened : XX/XX/XXXX o Status : Charge Off | Balance : {$200.00} Charged-off with no prior communication or dispute investigation.

Violations : FCRA 623 ( b ), 609 ( a ) 12. XXXX XXXX XXXX Acct # : XXXX * o Date Opened : XX/XX/XXXX o Status : Charge Off | Balance : {$340.00} I have requested verification but have not received any proof of this debt.

Violations : FCRA 611 ( a ), 609 ( c ) ( 1 ) Final Summary I am requesting that TransUnion : Immediately remove the false address listed on my file Delete or properly investigate all inaccurate or unverifiable accounts listed above Provide written confirmation of their investigation findings Comply with FCRA Sections 602, 607, 609, 611, and 623 to ensure my report reflects only accurate and verified information Legal Reference Under FCRA Section 611 ( a ), I have the right to dispute any information in my credit file that I believe is inaccurate or incomplete. TransUnion is required to investigate the items in question and delete any information that can not be verified. Failing to do so constitutes willful noncompliance under FCRA Section 616, and I reserve my right to pursue legal remedies if this matter is not resolved promptly.

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