Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
I am filing a formal complaint against TransUnion for willful negligence, lack of reasonable procedures under the Fair Credit Reporting Act ( FCRA ), and repeated failure to maintain accurate consumer reporting as mandated by 15 U.S. Code 1681e ( b ). My credit report contains multiple errors including incorrect addresses, inaccurate account statuses, and unlawful inquiries, which have caused me financial and emotional distress. Each disputed entry is explained below : XXXX XXXX XXXX XXXX XXXX  LA XXXX Wrong Address This address does not belong to me and was never associated with any of my applications or residences. Reporting inaccurate address violates 15 U.S. Code 1681e ( a ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
XXXX XXXX XXXX Account # : XXXX High Balance : {$370000.00} Opened : XX/XX/XXXX Late Payment This account is reporting late payments that are inaccurate and unverifiable. As per 15 U.S. Code 1681i ( a ), if a consumer disputes any item of information, the CRA must conduct a reasonable reinvestigation. TransUnion has failed to validate the accuracy of these late marks despite my prior dispute attempts. 
XXXX Account # : XXXX High Balance : {$11000.00} Opened : XX/XX/XXXX Charge Off This account is being reported as a charge off without proper verification. Reporting unverifiable derogatory information without proper validation violates FCRA 15 U.S. Code 1681i and 1681e ( b ). TransUnion must remove this entry unless the furnisher can show complete documentation proving its accuracy. 
XXXX XXXX XXXXXXXX Account # : XXXX High Balance : {$3400.00} Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX has charged off this account, yet there are inconsistencies in the reporting across bureaus. TransUnion has not confirmed or corrected this inaccuracy under FCRA 1681i. Continued reporting without verifiable documentation is unlawful. 
XXXX XXXX Account # : XXXXXXXX XXXX  High Balance : {$26000.00} Opened : XX/XX/XXXX Charge Off This charge-off status appears without full payment history validation or proper investigation upon dispute. This is a violation of FCRA 1681e ( b ) for not ensuring maximum possible accuracy and 1681i ( a ) for failure to reinvestigate disputed data. 
XXXX XXXXXXXX XXXX  Account # : XXXX High Balance : {$11000.00} Opened : XX/XX/XXXX Charge Off This charge-off is being reported with no supporting validation or proof of the debt. As per 15 U.S. Code 1681i ( a ), CRAs must delete unverifiable information after reinvestigation. TransUnion has not done so. 
XXXX XXXX Account # : XXXXXXXX XXXX High Balance : {$34000.00} Opened : XX/XX/XXXX Late Payment * * TransUnion has reported late payments without verifying if the delay was justified or if there were extenuating circumstances such as COVID-19 deferment. Failure to account for such context violates 1681c-1 and 1681i. 
XXXX XXXX Account # : XXXX High Balance : {$72000.00} Opened : XX/XX/XXXX Late Payment XXXX XXXX These late payments are inaccurately marked and were never validated. Repeated requests for reinvestigation were ignored, violating FCRA 1681i ( a ) and 1681e ( b ). 
XXXX XXXX Account # : XXXX XXXX  High Balance : {$40000.00} Opened : XX/XX/XXXX Charge Off * * This charge-off is duplicated across multiple XXXX XXXX XXXX, which creates confusion and inflates derogatory reporting. TransUnion has failed to address this dispute under 1681i ( a ) and continues to cause harm. 
XXXX Account # : XXXX High Balance : {$160000.00} Opened : XX/XX/XXXX Charge Off * * This is a federal SBA loan that was supposed to be deferred under pandemic protections. Reporting it as charged-off violates FCRA guidelines and possibly CARES Act provisions. TransUnion failed to reinvestigate this matter as per 1681i. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX High Balance : {$2800.00} Opened : XX/XX/XXXX Collection * * This is a debt buyer account. I have not received any debt validation notice from the collector. Reporting without proper validation is against FDCPA 15 U.S. Code 1692g and FCRA 1681e ( b ). 
XXXX XXXX XXXX Account # : XXXX XXXX  High Balance : {$320.00} Opened : XX/XX/XXXX Collection * * This debt has been disputed due to fraud and identity theft concern. TransUnion has failed to remove the entry or mark it as in dispute, violating FCRA 1681c-2 and 1681i. 
XXXX XXXX XXXX Account # : XXXX XXXX XXXX  High Balance : {$0.00} Opened : XX/XX/XXXX Late Payment * * This is a public record entry for child support showing incorrect late payment data, even though the obligation has been satisfied. This is misleading and harmful under 1681e ( b ) and 1681i. 
Hard Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These hard inquiries were not authorized by me. I never applied for credit with these entities. TransUnion has failed to block or remove them upon request, violating 1681b ( c ) and 1681c-2.

I am requesting a full reinvestigation of the above-listed items. If they can not be verified with original signed contracts and payment histories from the furnishers, they must be deleted immediately under FCRA 1681i ( a ) ( 5 ). I am also demanding removal of the incorrect address and unauthorized inquiries. TransUnions negligence is affecting my financial well-being, housing eligibility, employment opportunities, and overall credit standing. Please treat this as a formal CFPB complaint and take corrective action immediately.

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