Consumer complaint received 2025-08-23 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: SC

Complaint narrative:
Dear TransUnion, For the past several months, I have been attempting to correct serious inaccuracies that continue to appear on my TransUnion credit report. Despite my prior disputes, these errors remain, which places you in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The law requires you to conduct a reasonable reinvestigation within 30 days and remove any information that can not be verified with documented proof from the furnisher.

Your failure to properly investigate not only harms my creditworthiness, but also exposes you to potential liability for damages under the FCRA. I am once again demanding that you delete or correct the following items that remain inaccurate : Wrong/Incorrect Addresses These addresses do not belong to me and must be removed immediately as they violate the accuracy requirement under 15 U.S.C. 1681e ( b ) : XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX Accounts Reported with Errors ( Unverified / Inaccurate Reporting ) XXXX XXXX XXXX XXXX  Account # XXXX Reported with late payments. No documented evidence has been provided to substantiate these claims. Under FCRA 611 ( a ) ( 1 ) ( A ), unverifiable information must be deleted. 

XXXX XXXX  Account # XXXX Listed as a charge-off. I dispute this reporting as inaccurate. Since no verifiable proof has been provided, it is a violation of FCRA 607 ( b ) to continue reporting. 

XXXX Account XXXX XXXX Reported with late payments. Without documentation from the creditor, continued reporting constitutes negligent noncompliance. 

XXXX XXXX Account # XXXX Reported with late payments. The account history is inaccurate and unverifiable. 

XXXX XXXX XXXX Account # XXXX & # XXXX Both accounts are being reported with late payments. No documented proof has been provided. Continuing to report unverifiable negative history violates my rights under FCRA 611. 

DEPT OF EDXXXX  Account # XXXX Reported with late payments. Inaccurate and unverifiable. 

XXXX XXXX Account # XXXX Listed as a charge-off. This reporting is disputed, and no validation has been provided. 

Unauthorized/Questionable Inquiries The following inquiries are not authorized by me and violate my consumer rights under the FCRA and permissible purpose provisions ( 15 U.S.C. 1681b ) : XXXX XXXX  XX/XX/year> XXXX XX/XX/year> Despite multiple attempts, TransUnion has failed to provide proof of verification for these items. Under FCRA 611 ( a ) ( 5 ), if a disputed item can not be verified, it must be deleted immediately. If you can not obtain written proof from the furnishers, you are required by law to remove the information.

This is my final request. If these inaccuracies remain beyond 30 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve my right to seek civil remedies under FCRA 616 & 617 for willful and negligent noncompliance.

I expect a full written response, including : Documentation from furnishers proving verification, if available.

The method of verification used.

Deletion confirmation for all unverifiable information.

The law is clear : if information can not be verified, it must be deleted. Continuing to report unverified, inaccurate information is a violation of federal law, and I will not hesitate to take further action to protect my rights.

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 explanation