Consumer complaint received 2025-07-05 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: MI

Complaint narrative:
I am submitting this formal complaint against TransUnion for their continued reporting of inaccurate, outdated, and unverifiable information on my credit report, despite my multiple efforts to have these items corrected or removed. These inaccuracies are negatively impacting my creditworthiness and causing unjust harm, both financially and emotionally. This complaint is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq.

I request the Consumer Financial Protection Bureau ( CFPB ) to investigate TransUnions noncompliance and ensure these errors are immediately corrected or removed. 
Incorrect Addresses Reported by TransUnion : 1. XXXX XXXX XXXX, MI XXXX Issue : I have never resided at this address. It is inaccurate and unauthorized. 
Violation : Reporting incorrect addresses violates 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Story : The continued listing of this address creates the appearance of fraudulent or mixed file activity. I have notified TransUnion previously, but they have failed to remove this despite providing proof of my actual residence. 
2. XXXX XXXX XXXX XXXX, MI XXXX Issue : I have no personal or professional connection to this address. 
Violation : Inclusion of inaccurate address data is a breach of FCRA Section 611, which mandates timely and correct reinvestigations of disputed information.

Story : This listing raises concerns of identity confusion or file mixing, impacting my ability to access credit, housing, and employment. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Issue : I have never lived in Arizona. This is a gross inaccuracy. 
Violation : Failure to investigate and correct this false reporting constitutes negligence under FCRA 15 U.S. Code 1681i.

Story : This address has been linked to multiple suspicious accounts. My identity and credit profile have been compromised by TransUnions failure to ensure accurate data handling. 
Inaccurate Account Reporting by TransUnion : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$3600.00} Status : Charge-Off Issue : This account is inaccurately listed as a charge-off. I have no recollection of authorizing or maintaining this account in the form reported. 
Violation : This inaccurate and potentially fraudulent account breaches FCRA 1681s-2 ( b ), which mandates that once a dispute is filed, the furnisher and CRA must investigate and correct any incorrect reporting.

Story : I have submitted disputes to TransUnion, including identity theft affidavits and supporting documentation, but they continue to report this damaging item. This is obstructing my access to affordable credit and has created unjust financial hardship.

Legal Framework Supporting My Complaint : FCRA 1681e ( b ) : Requires CRAs to maintain reasonable procedures to assure maximum possible accuracy.

FCRA 1681i : Mandates reinvestigation of disputed items within 30 days and correction or deletion if unverifiable.

FCRA 1681s-2 ( b ) : Obligates furnishers to investigate disputes when notified by CRAs.

FDCPA 807 ( 15 U.S. Code 1692e ) : Prohibits false or misleading representations regarding any debt.

Summary of Harm and Urgent Relief Requested : Due to TransUnions failure to maintain accurate records and conduct meaningful investigations, I have suffered : Denial of credit applications Higher interest rates Emotional distress Loss of financial opportunity I respectfully request the CFPB to : 1. Investigate TransUnion for willful noncompliance.

2. Compel TransUnion to delete all inaccurate addresses and the XXXX XXXX charge-off account.

3. Ensure TransUnion complies with FCRA-mandated reinvestigation and correction procedures.

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