Consumer complaint received 2025-06-20 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 submitting this complaint because TransUnion has continuously failed to maintain accurate, complete, and verifiable records on my credit report, even after multiple disputes. They have violated my rights under several sections of the Fair Credit Reporting Act ( FCRA ) including : 1681e ( b ) Failure to maintain accuracy 1681i ( a ) Failure to investigate disputed information 1681b Reporting and accessing without permissible purpose 1681c Reporting outdated information These false, outdated, or unverifiable items have caused me credit denials, emotional distress, and financial harm, and I am requesting immediate action from the CFPB. 
WRONG ADDRESSES REPORTED : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX Issue : I have never lived at or been associated with these addresses. Their appearance indicates possible mixed file, identity confusion, or improper record handling. 
Violation : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

DISPUTED ACCOUNTS : 1. XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$610.00} Date Opened : XX/XX/XXXX Type : Collection Issue : This account was never opened by me, and I have not received any original contract, billing statement, or ownership proof. 
Violation : FCRA 1681i ( a ) & 1681b No verification and no permissible purpose.

2. XXXX XXXX XXXX Acct # : XXXX XXXX XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Type : Collection Issue : This debt is unknown, unverified, and I have never been contacted by this company. It appears to be false placement or misattribution.

Violation : FCRA 1681i ( a ) Failure to reinvestigate disputed data properly. 
3. XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$540.00} Date Opened : XX/XX/XXXX Type : Collection Issue : XXXX XXXX is a known debt buyer, and this alleged debt has not been validated with supporting documents, such as an original signed agreement or billing history. 
Violation : FCRA 1681b & 1681i Unauthorized and unverifiable reporting. 
4. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX  High Balance : {$370.00} Date Opened : XX/XX/XXXX Type : Collection Issue : I did not authorize this account, and they have failed to respond to validation requests. There is no proof I owe this alleged amount. 
Violation : FCRA 1681i ( a ), FDCPA Section 809 Failure to validate debt. 5. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Type : Collection Issue : This account is reporting with a future open date ( XX/XX/XXXX ), which is logically and factually impossible, proving data error or file manipulation. 
Violation : FCRA 1681e ( b ) Inaccurate and impossible date entry.

6. XXXX XXXX XXXX Acct # : XXXX High Balance : {$330.00} Date Opened : XX/XX/XXXX Type : Collection Issue : No communication or verification was ever received regarding this debt. Reporting such accounts without proper documentation is illegal. 
Violation : FCRA XXXX Failure to properly verify after dispute. 
7. XXXX XXXXXXXX XXXX Acct # : XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Type : Late Payment Issue : This is an extremely old child support entry reporting a {$0.00} balance, yet late payments are still being reported. This is outdated, inaccurate, and prejudicial. 
Violation : FCRA 1681c Reporting obsolete information. 
UNAUTHORIZED HARD INQUIRIES : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX Issue : I never authorized these companies to perform hard credit inquiries. These unauthorized inquiries have lowered my credit score and appear without my consent.

Violation : FCRA 1681b ( c ) No permissible purpose for pulling credit. 
PERSONAL IMPACT STATEMENT : This entire experience has been mentally and financially devastating. I have faced denials for credit, emotional stress, and fear of identity theft. Despite exercising my rights under the FCRA by disputing these accounts with TransUnion, no meaningful investigation or correction was made. 
These errors are not only unacceptable but unlawful. I should not be held responsible for debts I do not owe, nor should I suffer for TransUnions negligence or failure to comply with federal law. I am entitled to a clean and accurate credit file.

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