Consumer complaint received 2025-11-07 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:
XXXX am filing this formal complaint against TransUnion LLC for continuing to report inaccurate, incomplete, and unverified information on my consumer credit file, even after I previously submitted a detailed dispute and supporting documentation. Despite my first dispute, TransUnion failed to correct or remove several accounts and personal details that are clearly inaccurate and unverifiable, demonstrating a lack of compliance with the Fair Credit Reporting Act (FCRA) Sections XXXX(A), XXXX(B), and XXXX(A).\n\nTransUnion is still reporting two wrong addresses  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both of which do not belong to me and were never associated with my credit or residency history. These addresses are being wrongly connected to my profile, and their continued presence on my report is misleading and damaging.\n\nAdditionally, multiple accounts are being inaccurately reported with false late payment history, even though I have never made any late payments on these accounts. These include XXXX XXXX XXXX with a high balance of $XXXX opened on XXXX; XXXX XXXX XXXX with a high balance of $XXXX opened on 08/20/2020; and XXXX XXXX with a high balance of $XXXX opened on XXXX. These creditors have not provided any verifiable proof to justify the reported delinquencies, and TransUnion continues to report them as late in violation of federal accuracy requirements.\n\nTransUnion is also inaccurately reporting multiple student loan accounts from XXXX and XXXX, all showing false late payments that are completely untrue. The affected accounts include XXXX  XXXX (high balance $XXXX, date opened XXXX), XX/XX/XXXX(high balance $XXXX, date opened XXXX), XXXX XXXX (high balance $XXXX, date opened XXXX), XXXX XXXX (high balance $XXXX, date opened XXXX), XXXX XXXX (high balance $XXXX, date opened XX/XX/2012), XXXX XXXX (high balance $XXXX, date opened XXXX), XXXX XXXX (high balance $XXXX, date opened XX/XX/2014), XXXX XXXX (high balance $XXXX, date opened XX/XX/2012), XXXX XXXX (high balance $XXXX, date opened XX/XX/2012), and XXXX XXXX  (high balance $XXXX, date opened XX/XX/2014). All of these accounts are reporting inaccurate payment histories that do not reflect my actual payment record.\n\nIn addition, multiple XXXX accounts are also being misreported, including accounts with the following details: XXXX XXXX with a high balance of $XXXX  opened onXX/XX/2010, XXXX XXXX with a high balance of $XXXX  opened on XX/XX/2009, XXXX XXXX* with a high balance of $XXXX  opened on XX/XX/2008, XXXX XXXX with a high balance of $XXXX  opened on XX/XX/2010, XXXX XXXX with a high balance of $XXXX  opened on XX/XX/2010, and XXXX XXXX with a high balance of $XXXX  opened onXX/XX/2010. Every one of these student loan accounts is being inaccurately reported as late or delinquent, despite my consistent and timely payments.\n\nLastly, TransUnion continues to report an account from XXXX XXXX with a high balance of $XXXX  and a date opened of XX/XX/2024. I have no record, no contract, and no knowledge of this company or any account under this number. This account is completely unverified and fraudulent, yet TransUnion has failed to remove it after my initial dispute, which constitutes a violation of FCRA XXXX(A)(XXXX) and XXXX(A)(XXXX)(A) regarding unverifiable and inaccurate information.\n\nI have already provided TransUnion the opportunity to conduct a proper reinvestigation, but they have clearly failed to follow reasonable procedures to ensure maximum possible accuracy. Their continued reporting of false and unverified information is severely affecting my credit profile and causing financial harm.\n\nI am requesting that the Consumer Financial Protection Bureau conduct a full investigation into TransUnions noncompliance with the FCRA and require the bureau to immediately delete or correct all inaccurate and unverifiable accounts and personal information listed above. I am also requesting confirmation that TransUnion has implemented proper procedures to prevent such reporting errors from recurring in the future.'

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