Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for multiple inaccuracies and legal violations on my credit report. I have previously disputed these items directly with TransUnion, but they continue to remain unresolved. Despite submitting a prior dispute letter and awaiting resolution of my CFPB complaint, these errors are still being reported without proper investigation or correction, which is a direct violation of my rights under the FCRA ( Fair Credit Reporting Act ) and FDCPA ( Fair Debt Collection Practices Act ). I am requesting that CFPB immediately investigate these matters. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is being inaccurately reported on my TransUnion credit file. I have never resided at this address nor have I used it in any application for credit or service. Reporting this false address violates 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. Additionally, this misinformation can trigger false identity implications and cause automated credit denials. TransUnion has failed to reasonably investigate and remove this address upon prior dispute, further violating XXXX5 U.S. Code 1681i ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This is another address falsely listed in my TransUnion file. I have no connection to this location. Including incorrect personal identifiers can be considered negligent furnishing of data and contributes to a mixed file or mistaken identity, violating 15 U.S. Code 1681b ( a ) and 1681e ( b ). TransUnion has failed to exercise reasonable procedures in verifying address data accuracy and thus continues to compromise the integrity of my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Late Payment Date Opened : XX/XX/XXXX High Balance : {$450.00} XXXX XXXX This account is reporting late payment information inaccurately. I dispute the validity of the late payment reporting as it does not reflect my payment history. Furthermore, under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), TransUnion is required to reinvestigate any item in a consumers file upon notice of a dispute. Failure to validate the accuracy of the derogatory information and continuing to report it damages my creditworthiness and reputation. If the furnisher can not verify the late payment with documented proof, TransUnion is legally required to delete the item. By retaining unverifiable negative marks, they are also violating 15 U.S. Code 1681s-2 ( b ) which obligates furnishers to correct and update information after receiving notice of a dispute. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This hard inquiry appears on my credit report without my knowledge or consent. I never authorized this company to access my credit profile. Any inquiry made without a permissible purpose is a violation of 15 U.S. Code 1681b ( f ). Under FCRA Section 604, a consumer reporting agency may furnish a consumer report only under specific permissible purposes. In this case, TransUnion failed to verify that proper authorization was given for this inquiry. They have also not provided any documentation when requested to prove my consent to this inquiry, further violating 15 U.S. Code 1681g ( a ) ( 1 ). 
I am experiencing significant emotional distress, unfair denials of credit, and reputational damage due to TransUnions continuous failure to maintain accurate and verifiable data. These violations are affecting my financial stability and peace of mind. I respectfully request that the CFPB hold TransUnion accountable by requiring a full investigation and removal of the disputed items that are inaccurate, unverified, or legally non-compliant. Additionally, I request documentation showing that TransUnion has conducted proper investigations in accordance with FCRA-mandated timelines.

Thank you for your time and attention to this matter.

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