Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) due to numerous inaccurate, unverifiable, and misleading items appearing on my TransUnion credit report. Despite following the appropriate dispute process directly with TransUnion, these items have not been corrected or removed, which is causing me ongoing financial and emotional harm. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute and request investigation into these accounts. Below are the details : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address These addresses do not belong to me and are incorrect identifiers on my credit file. 
FCRA Violation : 609 ( c ) ( 2 ) ( E ), 602 ( A ) Impact : These addresses are contributing to the misattribution of accounts and possible data merging with someone elses identity. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Reported as late despite the balance being XXXX and account being paid off. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ) Explanation : This is damaging my score for a debt that no longer exists. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$880.00} | Late Payment * * Issue : Late payment reported during a hardship. 
FCRA Violation : 623 ( a ) ( 1 ) ( A ), Metro 2 Guidelines Explanation : I was under financial strain and had communicated with the creditor. They still reported me late in violation of hardship accommodation rules. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Late mark reported on an account that is paid and closed. 
FCRA Violation : 602 ( A ) Explanation : Misrepresents my history and negatively affects my profile. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Derogatory data is obsolete. 
FCRA Violation : 605 ( a ) Explanation : This item is beyond the 7-year limit and must be removed. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * Issue : Unverified charge-off remains despite dispute. 
FCRA Violation : 611 ( a ) ( 1 ) Explanation : I requested validation but never received any. The debt is still harming my report. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX. ) Acct # : XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$680.00} | Collection * * Issue : Debt has not been validated.

FCRA & FDCPA Violation : 623 ( b ) ; FDCPA 809 ( b ) Explanation : They are reporting a balance they have not proven I owe. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Late mark not updated after account resolution. 
FCRA Violation : 623 ( a ) ( 2 ) Explanation : Misleading history when the account was resolved long ago. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1600.00} | Charge Off * * Issue : Inaccurate balance and premature charge-off. 
FCRA Violation : 623 ( a ) ( 1 ) Explanation : Creditor charged off this account during active communication, with no proper warning or reconciliation. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment * * Issue : Duplicate entry with negative history. 
FCRA Violation : 611 ( b ), 605 ( a ) Explanation : This appears to be a duplicate of another XXXX account and is beyond the legal reporting period. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * Issue : Unverified charge-off. 
FCRA Violation : 623 ( b ) Explanation : I never received any debt validation or documentation and dispute the legitimacy of this entry. 

Requested Relief : I request that the CFPB investigate these issues thoroughly and compel TransUnion and the original creditors/collection agencies to either : Provide documented verification for each disputed item, or Permanently delete the item ( s ) from my credit file as required under FCRA. 

This situation has caused emotional distress, credit denials, and unfair harm to my financial reputation. I am simply asking for my legal right to an accurate credit report to be honored.

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