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:
Dear Consumer Financial Protection Bureau, I am writing to formally complain against TransUnion, who has continuously failed to correct or remove several inaccurate, unverifiable, and unauthorized items from my credit report. Despite my multiple disputes and documentation, the bureau has refused to conduct proper reinvestigation under the Fair Credit Reporting Act ( FCRA ). 
This complaint includes wrong addresses, unauthorized hard inquiries, and multiple inaccurately reported accounts, many of which are causing ongoing financial and XXXX  harm. 
Incorrect Addresses ( Never Associated With Me ) 1. XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These addresses are completely unfamiliar to me and have never been associated with me in any legal, residential, or financial context. Their inclusion in my report has linked me to accounts I never opened and has allowed unauthorized inquiries and negative account data to be added. 
Inaccurately Reported Accounts 1. XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$760.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment I never received any notice of delinquency or past due balance for this account. The reported late payments are unverifiable, and I was not given the opportunity to resolve the matter before being penalized. This negatively impacted my credit score during a time I was applying for a mortgage pre-approval. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$120.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This small revolving credit account was paid on time. However, TransUnion falsely reported it as late without notice. This incorrect reporting significantly affected my payment history, which makes up a major portion of my credit score. 
3. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Issue : Collection This collection account is completely unfamiliar. I never received any validation notice or communication from this agency. Reporting this as a collection without validation is a direct violation of FCRA and FDCPA. 
4. XXXX XXXX Acct # XXXXXXXX XXXX XXXX  High Balance : {$570.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This card was closed long ago, yet TransUnion continues to report late payments with no supporting documents or updates from the creditor. This outdated and unverifiable data affects my ongoing credit applications. 
5. XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$350.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment I paid this account on time. The creditors system error caused a delay in reporting, and now it is affecting my credit unfairly. Despite my proof of timely payments, TransUnion refuses to update this. 
6. XXXX XXXX XXXX Acct # XXXXXXXX XXXX High Balance : {$940.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This account was settled, yet TransUnion still reflects late payments with no paid or closed status. It misleads lenders and makes me appear financially irresponsible. 
7. XXXX XXXX XXXX Acct # XXXXXXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment Reporting multiple late entries even after the account was disputed and verified paid. No proof was ever provided by the creditor, yet TransUnion keeps the negative remarks active. 
8. XXXX XXXX Acct # XXXXXXXX XXXX XXXX High Balance : {$530.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This card was closed and paid in full. Reporting it as active and late is damaging my debt-to-income ratio and affecting new applications. 
9. XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX High Balance : {$370.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This entry includes dates of delinquency that do not match any billing cycle. The account was on autopay, and there were no missed payments. This appears to be an error. 
10. XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  High Balance : {$540.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment I have disputed this with both XXXX XXXX and TransUnion. The creditor confirmed that I was never late, yet the bureau refuses to remove the derogatory mark. 
11. XXXX XXXXXXXX XXXX  AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$310.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This is reported as late, even though I made an early payoff. XXXX confirmed this to me in writing, but TransUnion still lists it incorrectly. 
12. XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX  High Balance : {$350.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment I have never received a notice of delinquency. I was enrolled in a hardship program due to XXXX and had payment deferments that were not supposed to affect my report. 
13. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This old account should be excluded under FCRAs 7-year reporting rule. Keeping it on my file is illegal and deeply harmful.

14. XXXX XXXX Acct # XXXXXXXX XXXX XXXX  High Balance : {$45000.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment These reported late payments are from a time when my account was under review for deferral. No late notice was sent. Ally later confirmed I was not past due. 
Unauthorized Hard Inquiries 1. XXXX Dated XX/XX/XXXX 2. XXXX Dated XX/XX/XXXX I did not authorize these inquiries, nor did I apply for any credit with these companies. These inquiries have negatively impacted my credit score and were done without permissible purpose, violating FCRA 604.

Summary of Violated Laws : FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 611 ( a ) Failure to properly reinvestigate disputed information FCRA 623 ( a ) Reporting false information by furnishers FCRA 604 ( a ) Accessing report without permissible purpose FDCPA 807 False representation of debt

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