Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion for multiple violations under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. I have repeatedly attempted to correct inaccurate, outdated, and unverifiable data on my credit file, yet TransUnion has continued to report these items negligently and with reckless disregard for accuracy, fairness, and due process. Below are the items I am disputing with complete details including the applicable legal violations. I demand an immediate and permanent correction and removal of these entries. 
XXXX XXXX XXXX XXXX, CA XXXX Address This address is not mine and I have never resided there. Reporting this incorrect address is a violation of FCRA Section 607 ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. This address is the result of a mismerged file or identity theft, and its presence on my report could result in serious consequences in terms of lending decisions, insurance, and employment. I have submitted proof of residency elsewhere, yet TransUnion continues to report it without basis or investigation which also violates FCRA 611. 
XXXX XXXX XXXX XXXX, CA XXXX Address This is another address that is being falsely associated with my credit profile. I have no relationship with this address whatsoever. Under FCRA 605 ( b ) and FCRA 602 ( A ), maintaining and furnishing inaccurate address information without proper verification violates my consumer rights and the duty of reasonable care. Failure to remove it after notice violates FCRA 611 ( a ) ( XXXX ) ( A ) as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment * * This account was reported with late payments which I strongly dispute. I had documented hardship during the pandemic, and submitted payment plans, forbearance requests, and communications with the lender. These late marks are unjustified, unverified, and violate FCRA 611, FCRA 607 ( b ), and FCRA 605 ( b ) for continuing to report derogatory information without reinvestigation. I also request the payment history be corrected under CFPB Bulletin 2014-01 which addresses consumer protections in credit reporting. Failure to update or suppress derogatory information related to pandemic hardship constitutes unfair, deceptive, and abusive acts under U.S. Code 5531 - Prohibiting Unfair, Deceptive, or Abusive Acts or Practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Status : Charge-Off * * This account is being reported as a charge-off without verifying my identity or the underlying debt. I have repeatedly asked TransUnion for validation and documentation under FCRA 609 ( a ) ( 1 ) and FCRA 611, but have received none. Reporting a charge-off without full documentation and validation is a violation of FCRA 602 ( b ) and FCRA 607 ( b ). Moreover, this account may have been settled or sold, yet TransUnion has failed to update the status and is publishing misleading data which violates FCRA 623 ( a ) ( 2 ) and FCRA 605 ( a ). Additionally, this could be the result of re-aged debt, which is illegal under FCRA 605 ( c ). By allowing XXXX XXXX  to misrepresent the charge-off, TransUnion is facilitating unlawful debt collection practices. 
XXXX XXXX Inquiry on XX/XX/XXXX I never authorized this inquiry. Hard inquiries without consumer consent violate FCRA 604 ( a ) ( XXXX ). TransUnion is obligated to ensure that permissible purpose exists before including such entries on a credit report. This inquiry could be a result of identity theft or a mixed file. 
XXXX Inquiry on XX/XX/XXXX Unauthorized inquiry. I never applied for credit through this company. TransUnion 's failure to confirm consumer consent before placing this inquiry violates FCRA 604 and FCRA 607 ( a ). Repeated reporting of unverified inquiries damages my credit score unlawfully. 
XXXX XXXX Inquiry on XX/XX/XXXX I have no association with this company and did not apply for credit or services from them. TransUnion is accountable under FCRA 604 for ensuring that inquiries are lawful and authorized. 
Relief Requested Immediate removal of all inaccurate and unverifiable addresses Permanent deletion or correction of the listed account entries Deletion of all unauthorized and unverifiable hard inquiries Reinvestigation under FCRA 611 with full documentation from furnishers Written verification of actions taken and updated credit file Civil liability imposed under FCRA Section 616 and 617 for willful and negligent noncompliance TransUnion has shown a consistent pattern of failure to fulfill its legal obligations. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and take enforcement action for these serious violations.

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