Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for gross violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to the inaccurate and unauthorized reporting of false addresses, delinquent or charged-off accounts, and collections. These errors are damaging my credit profile and financial standing. Despite prior attempts to resolve these matters with TransUnion, they have failed to conduct proper reinvestigations or correct the errors. Below are the detailed disputes : XXXX XXXX XXXX, CA XXXX Issue : Wrong Address I have never resided at or been associated with this address. The presence of this address on my credit file is incorrect, misleading, and a violation of my rights under the FCRA.

Violation : FCRA Section 607 ( b ) TransUnion has failed to follow reasonable procedures to assure maximum possible accuracy.

Law Reference : 15 U.S.C 1681e ( b ) XXXX XXXX XXXX, CA XXXX Issue : Wrong Address I do not recognize or have any link to this address. TransUnion has willfully included false information which has affected my credit decisions and personal verification processes.

Violation : FCRA Section 605B Reporting of identity theft-related information without validation.

Law Reference : 15 U.S.C 1681c-2 XXXX XXXX XXXX High Balance : {$1200.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off This account is reported as a charge-off, but I was never notified of this debt properly nor given a chance to resolve or verify it. TransUnion has not provided validation of this debt, nor conducted a proper investigation when disputed.

Violation : FCRA Section 611 Failure to reinvestigate disputed information.

Law Reference : 15 U.S.C 1681i ( a ) and 1681e ( b ) XXXX XXXX XXXX XXXX  High Balance : {$2500.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off This account is inaccurately reported as a charge-off, and no original contract or payment records were ever produced by the furnisher. Reporting this negatively affects my creditworthiness unfairly.

Violation : FCRA Section 602 Inaccurate, obsolete, or unverifiable information must not be reported.

Law Reference : 15 U.S.C 1681c ( a ) ( 5 ) XXXX XXXX XXXX High Balance : {$15000.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off This account is too old to be legally reported as a charge-off under the FCRA 7-year rule. TransUnion is willfully damaging my report with obsolete data.

Violation : FCRA Section 605 ( a ) ( 4 ) Accounts placed for collection or charged off can not be reported after 7 years.

Law Reference : 15 U.S.C 1681c ( a ) ( 4 ) XXXX XXXX XXXX XXXXXXXX High Balance : {$15000.00} | Date Opened : XX/XX/XXXX Issue : Late Payment This account shows multiple late payments that I formally disputed, but no documentation was provided as proof. TransUnion has continued to report this despite my dispute and request for verification.

Violation : FCRA Section 611 TransUnion failed to verify disputed late payment entries.

Law Reference : 15 U.S.C 1681i ( a ) XXXX XXXXXXXX High Balance : {$22000.00} | Date Opened : XX/XX/XXXX Issue : Charge-Off This charge-off is inaccurately reported. I have requested multiple times to verify this debt, yet TransUnion has continued reporting it without validating the accuracy or ownership.

Violation : FCRA Section 609 ( a ) ( 1 ) Right to request and receive complete file and account validation.

Law Reference : 15 U.S.C 1681g ( a ) XXXX XXXX XXXXXXXX High Balance : {$3000.00} | Date Opened : XX/XX/XXXX Issue : Collection This collection account is being reported with no proper notice or debt validation from the original or current creditor. I have disputed it under my rights, but TransUnion failed to act responsibly.

Violation : FCRA Section 611 and FDCPA Section 809 Failure to validate debt and provide notice of collection.

Law Reference : 15 U.S.C 1681i ( a ) and 15 U.S.C 1692g ( b ) I am requesting the Consumer Financial Protection Bureau to intervene and require TransUnion to : 1. Immediately delete the inaccurate addresses from my file 2. Remove all unverifiable, outdated, or inaccurate accounts 3. Provide proof of investigation, validation, and reinvestigation logs for each disputed item 4. Confirm compliance with FCRA and ensure no further harm is done to my credit standing These reporting errors are damaging my ability to obtain credit, employment, and housing. I am demanding immediate action and a full investigation under federal law.

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