Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against TransUnion for persistent inaccuracies in my credit report that remain unresolved despite previous dispute efforts. These inaccurate entries are damaging my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. The following items on my credit report are being reported in error, inaccurately, or without proper verification, and I demand immediate investigation and deletion or correction as required by law. 
Incorrect Addresses Reported ( Violation of FCRA XXXX ( b ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address These addresses are inaccurately associated with my profile. I have never lived at these locations. Inclusion of wrong addresses not only misrepresents my identity but may be linked to fraudulent or mixed-file reporting. 
Violation : FCRA 604 & 605 ( b ) failure to ensure accuracy and integrity of the consumers file. 
Late Payments Reported ( Violation of FCRA 607 ( b ), 611 ; FDCPA 807 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$22000.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late Payment I formally dispute this payment history as inaccurate. No verified documentation has been provided, and this may be due to administrative servicing errors. 
Violation : FCRA 611 ( failure to verify ), 607 ( b ) ( inaccurate reporting ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$3700.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late Payment This loan is inaccurately reporting delinquencies, possibly due to federal servicer transitions. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) reporting information with actual knowledge of errors. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$1700.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late Payment No certified notice of delinquency was issued to me. This is potentially deceptive and misleading. 
Violation : FDCPA 807 ( 8 ) false representation of legal status. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$6700.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late Payment Inconsistent payment history reported across different credit bureaus. 
Violation : FCRA 607 ( b ) ; 609 failure to maintain accurate information. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late Payment I have previously disputed this ; the bureau failed to conduct a reinvestigation. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) failure to reinvestigate upon notice of dispute. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | High Balance : {$7300.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late Payment Payment issues were due to deferment status that was not accurately updated in the report. 
Violation : FCRA 623 ( a ) ( 2 ) ( B ) duty to update and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3500.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late Payment Deceptive reporting of the same loan under multiple numbers appears to be data duplication. 
Violation : FCRA 607 ; FDCPA 807. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$3700.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late Payment Payment history reflects multiple false entries of delinquency. 
Violation : FCRA 623 ( a ) ( 1 ) ( B ) reporting false information after notice of error. 
XXXX Accounts ( Violation of FCRA 607 ( b ), FDCPA 807, 809 ) XXXXXXXX XXXX XXXX XXXX | High Balance : {$7000.00} | Opened : XX/XX/XXXX Issue : Charge-Off I never received a full validation notice or breakdown of the amount allegedly owed. No proper investigation or verification was conducted. 
Violation : FCRA 611, FDCPA 809 ( b ) failure to validate debt. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX | High Balance : {$5800.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Charge-Off The same issue applies no documented proof of default, and my dispute was not meaningfully investigated. 
Violation : FCRA 623 ( b ), 607 ( b ), FDCPA 807 ( 2 ) ( A ). 
Summary & Request for XXXX TransUnion is failing to comply with its legal responsibilities under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite submitting formal disputes, my credit file continues to contain : Inaccurate personal identification data ( wrong addresses ). 
Erroneous and unverified late payments. 
Charge-off accounts that lack lawful validation or dispute resolution. 
These misrepresentations are damaging my financial standing, causing emotional distress, and interfering with my ability to obtain housing and credit. This kind of negligence and reckless reporting violates my rights as a consumer 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