Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) and failure to maintain accurate and verifiable information on my credit report. Despite previous attempts to correct the inaccuracies, TransUnion has failed to fulfill its legal obligations under federal law. The following issues remain unresolved : Item XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This address is inaccurate and does not belong to me.

Law : FCRA 602 ( A ), 607 ( b ) Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

Story : I have never resided at this address. Its presence on my report is misleading and causes confusion regarding my identity and residency. TransUnion has failed to remove this despite multiple notices. 

Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is also inaccurate and not associated with me.

Law : FCRA 607 ( b ) Requires reasonable procedures to assure accuracy.

Story : I have no connection to this residence, yet TransUnion continues to report it. This undermines the reliability of my credit file and raises potential identity concerns. 

Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Credit : {$0.00} * * Issue : Charged-off account reporting {$0.00} high credit, which appears inconsistent and incomplete. 
Law : FCRA 611 ( a ) ( 1 ) ( A ), Metro 2 Reporting Guidelines Information must be complete and verifiable.

Story : This account reflects a charge-off, yet reports no balance or high credit. This inconsistency suggests data integrity issues and misleads future creditors. It must be investigated or removed entirely.

Item XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. ) # XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$1100.00} * * Issue : Reporting a collection account with questionable validation and balance. 
Law : FCRA 609 ( a ) ( 1 ), 611 ( a ) ; FDCPA 809 Consumers have the right to demand complete validation of debts.

Story : I never received full validation for this alleged debt. Reporting it as a collection without substantiated documentation violates my rights and is causing severe harm to my creditworthiness. 

Item XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX - XXXX XXXX ) # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$380.00} * * Issue : Account reported with a future open date, which is factually impossible. 
Law : FCRA 607 ( b ) ; Metro 2 Compliance Data must be accurate, timely, and logically consistent.

Story : It is impossible for an account to have an open date in the future. This error highlights a failure in TransUnion 's data validation process and must be corrected or removed immediately. 

Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} * * Issue : Late payments reported on an account with {$0.00} balance and closed status.

Law : FCRA 607 ( b ) ; 611 ( a ) Reporting must be accurate and not misleading.

Story : This account was paid in full and closed, yet TransUnion continues to report late payments. This is inaccurate and harmful to my credit profile and must be rectified. 

Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$630.00} * * Issue : Recent late payments reported on a newly opened account without proper validation.

Law : FCRA 611 ( a ), 609 ( a ) ( 1 ) Consumers are entitled to full investigation and itemization.

Story : I requested validation for this account, but received none. Reporting recent delinquencies without providing full documentation is deceptive and violates my rights. 

Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$420.00} * * Issue : Continued reporting of inaccurate payment history.

Law : FCRA 602 ( A ), 607 ( b ) Mandates accurate and fair reporting.

Story : The payment history is inconsistent and does not match my records. I have previously disputed this, but TransUnion has failed to take corrective action.

Conclusion : I am formally requesting that the CFPB investigate TransUnion for willful non-compliance with the FCRA and for damaging my financial standing by continuing to report inaccurate, unverifiable, or incomplete information. These errors have impacted my ability to obtain credit, caused unnecessary stress, and demonstrate negligence in maintaining proper data hygiene.

Please hold TransUnion accountable and compel them to delete or correct the disputed items, and provide a complete and accurate reinvestigation in compliance with all applicable federal laws.

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