Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for reporting multiple inaccurate, outdated, and unverifiable items on my credit report which are causing ongoing harm to my creditworthiness and financial well-being. Despite my attempts to address these inaccuracies directly with TransUnion, the agency has failed to remove or correct the erroneous items in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ). The following specific issues are being raised for immediate investigation and correction. 
XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : This is not and has never been my residential or mailing address. I have no affiliation or connection with this location. Its appearance on my credit report is misleading and likely a result of identity confusion or mixed file reporting. 
Law Violated : FCRA 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
XXXX : Due to this incorrect address, my personal identity and credit profile have been compromised. I fear this address may be linked to fraudulent or unrelated accounts. I requested its removal, but TransUnion continues to report it without conducting a proper investigation. 
XXXX XXXX XXXX XXXX Late Payment Issue : The late payment reporting on this mortgage account is inaccurate. I was under temporary financial hardship due to medical and employment-related disruptions and requested assistance from the lender.

Law Violated : FCRA 1681s-2 ( a ) furnishers must report accurate information ; FCRA 1681i CRA must investigate disputed information. 
XXXX : I was never informed adequately of delinquency before it was reported. I submitted documentation and explained my situation, yet TransUnion refused to re-investigate or correct the payment history. 
XXXX XXXX XXXX XXXX XXXX Charge-Off Issue : This account has been reported as a charge-off, yet I was never provided proper written notice, nor any documentation to verify the validity or breakdown of the debt. 
Law Violated : FCRA 1681e ( b ) ; FDCPA 809 ( b ) right to debt validation.

XXXX : This negative entry is severely impacting my credit, and I have attempted to dispute it multiple times. The bank never responded with sufficient proof, and TransUnion failed to verify before reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Issue : XXXX charged off this account and continues to report a balance, despite unresolved disputes and lack of validation. 
Law Violated : FCRA 1681i ( a ) ; FDCPA 809. 
XXXX  : I never received account statements or a detailed breakdown of how this balance accrued. Reporting unverifiable information is a violation of federal law and has caused me credit denials. 
XXXX XXXX XXXX Charge-Off Issue : The charge-off is inaccurate and unverified. The creditor did not properly notify me before reporting the negative mark. 
Law Violated : FCRA 1681e ( b ) ; FDCPA 809 ( a ). 
XXXX : XXXX failed to respond to my written disputes. I believe this account may be misreported or belong to another consumer. TransUnion refused to remove it without proof from the creditor. 
XXXX XXXX XXXX XXXX Charge-Off Issue : This charge-off is disputed due to lack of validation and inaccurate reporting. The balance and terms reported are inconsistent.

Law Violated : FCRA 1681s-2 ( b ) ; FDCPA 809. 
XXXX : I was undergoing financial hardship during this period, and XXXX did not work with me or provide notice before charge-off. Ive asked TransUnion for investigation, but they failed to fulfill their duty. 
XXXX XXXX * Charge-Off Issue : I do not recall this account and have requested full validation, which I never received. I suspect identity theft or reporting error. 
Law Violated : FCRA 1681i ( a ) ; FDCPA 809.

XXXX  : This account is unfamiliar. Its presence is hurting my credit report, and despite submitting disputes, TransUnion has not deleted or validated it. 
XXXX XXXX XXXX XXXX XXXX ( Duplicate ) Charge-Off Issue : This is a duplicate charge-off for the same account listed above, falsely inflating my debt. 
Law Violated : FCRA 1681e ( b ) requires accurate, non-duplicated data. 
XXXX : The same XXXX XXXX XXXXXXXX account is being reported twice with different balances, which is misleading and impacts my debt-to-income ratio unfairly. 
XXXX XXXX XXXX Charge-Off Issue : This account is being reported with a charge-off status without proper validation or consumer notice. 
Law Violated : FDCPA 809 ; FCRA 1681e ( b ). 
XXXX : I was unaware of any delinquency until I saw the charge-off. XXXX XXXX never contacted me properly, and TransUnion failed to validate the dispute. 
XXXX XXXX XXXX XXXX XXXX Late Payment Issue : Multiple late payments were reported without reflecting the forbearance agreement I had during COVID-related hardship. 
Law Violated : FCRA 1681s-2 ( b ) ; CARES Act guidance. 
XXXX  : I submitted proof of forbearance status, but XXXX XXXX and TransUnion refused to update or correct the report accordingly. 
XXXX XXXX XXXX XXXX  Charge-Off Issue : This charge-off is not accurate. I was never notified of default and dispute the total balance. 
Law Violated : FDCPA 809 ( b ) ; FCRA 1681i. 
XXXX  : I requested validation and account details. No response was given. TransUnion has allowed this to remain despite lack of verification. 
XXXX XXXX XXXX XXXX Late Payment Issue : These late payments are due to verifiable temporary hardship. Ally did not update my hardship assistance status. 
Law Violated : FCRA 1681e ( b ) ; 1681i. 
XXXX : I was in contact with XXXX  and provided documents showing hardship. They failed to update the payment schedule or inform TransUnion. 
XXXX XXXX XXXXXXXX XXXX  Charge-Off Issue : The charge-off was reported while the account was in dispute and without resolving open concerns.

Law Violated : FDCPA 809 ; FCRA 1681i ( a ) ( 1 ). 
XXXX : I never received an updated account status or validation. TransUnion did not pause reporting during investigation and continues to harm my score. 
XXXX XXXX XXXXXXXX XXXX  Late Payment Issue : The payment history is misrepresented. XXXX did not reflect an approved deferral in their report. 
Law Violated : FCRA 1681s-2 ( b ). 
XXXX  : I had a deferred payment plan during financial hardship, which was not honored in credit reporting. This inaccurate data is misleading. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off Issue : This charge-off is unvalidated, and I received no final statements or notice prior to reporting. 
Law Violated : FDCPA 809 ; FCRA 1681e ( b ). 
XXXX : I was making payments and believed the account was in good standing. The charge-off notice came without warning or explanation. 
XXXX XXXX XXXXXXXX XXXX  Collection Issue : This debt is unverified and no documentation has been provided upon request. 
Law Violated : FDCPA 809 ( b ) ; FCRA 1681i. 
XXXX : XXXX is reporting a collection that I am not familiar with, and they have refused to provide itemized details or original account information. 
XXXX XXXX XXXX Collection Issue : This collection is likely invalid or already paid, and no verification has been given.

Law Violated : FDCPA 809 ( a ) ; FCRA 1681e ( b ). 
XXXX : I disputed this collection but never received anything beyond generic statements. This account should be removed unless fully validated. 
XXXX XXXX XXXXXXXX XXXX Collection Issue : XXXX XXXX is reporting this collection without furnishing adequate details or proof of debt ownership. 
Law Violated : FDCPA 809 ( b ) ; FCRA 1681i. 
XXXX : I have not received any mailed notice from XXXX and believe this may be a re-aged or duplicate account. TransUnion continues to report it without investigation. 
These multiple inaccurate, unverifiable, and outdated entries are causing irreversible harm to my credit profile, resulting in denial of credit, higher interest rates, and emotional distress. TransUnion has failed to fulfill its duty to maintain accurate data and to conduct timely reinvestigations upon dispute under FCRA 1681i. I request CFPB 's urgent intervention to force TransUnion to : 1. Delete all unverifiable or inaccurate accounts and addresses XXXX. Provide proper validation and documentation for all negative entries XXXX. Cease reporting of disputed accounts until proper verification is completed as required under federal law I demand full investigation and resolution in accordance with my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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