Consumer complaint received 2025-07-10 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:
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information being reported on my TransUnion credit report. I have identified incorrect addresses and derogatory accounts that do not belong to me, are unverifiable, or are being reported with errors. This is my second attempt to correct this information, and I am demanding that you conduct a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ].

These errors are harming my credit reputation, and if they are not fully verified with supporting documentation, they must be removed immediately under FCRA 611 ( a ) ( 5 ) ( A ). Below is a detailed breakdown of the disputed items : Inaccurate Addresses : XXXX XXXX XXXX, XXXX, CA XXXX Issue : This is not my residence. I have never lived here. 
Law : FCRA 605 ( b ) and 607 ( b ) require accurate personal identifying information.

Story : I have no association with this address, and its continued reporting could result in mixed file errors or identity confusion. 

XXXX XXXX, XXXX, CA XXXX Issue : This is an incorrect address on my file. 
Law : FCRA XXXX & XXXX ( b ) protect consumers from erroneous data. 
Story : I have no connection to this address, and its presence suggests inaccurate personal data matching. 

Disputed Accounts : 1. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2700.00} | Date Opened : XX/XX/XXXX Issue : Late payments reported inaccurately. 
Law : FCRA 1681i All information must be verifiable and accurately reported.

Story : These reported late payments are due to a temporary hardship and were eventually resolved. However, the creditor has not provided sufficient verification to justify the continued reporting of derogatory marks. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4100.00} | Date Opened : XX/XX/XXXX Issue : Inaccurate late payment history. 
Law : FCRA 607 ( b ) requires maximum possible accuracy.

Story : There are discrepancies between my records and the payments shown. Additionally, incorrect address reporting may have delayed billing and notices. This entry must be verified or removed. 

XXXX. XXXXXXXX XXXX  Account XXXX XXXX XXXX High Balance : {$850.00} | Date Opened : XX/XX/XXXX Issue : Collection account without prior validation or communication. 
Law : FCRA 1681e ( b ) ; FDCPA 807 Unfair, deceptive practices.

Story : I was never notified about this debt. I did not receive a dunning letter or any opportunity to dispute or validate the amount. It is unverified and should be removed. 

XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX  Balance Owed : {$1600.00} | Date Opened : XX/XX/XXXX Issue : Unvalidated collection account. 
Law : FDCPA 809 Consumers must be given debt validation within 5 days of initial contact.

Story : I was not contacted or given the opportunity to validate this debt. Reporting it to my credit file without due process is a violation of my rights and FCRA. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} | Date Opened : XX/XX/XXXX Issue : Improperly placed collection account. 
Law : FCRA 611 Reporting unverifiable collections violates federal law.

Story : This debt was not properly explained or documented. I was not notified prior to it being placed in collections, and therefore had no opportunity to resolve it.

Final Statement : I am requesting that TransUnion conduct a full and proper reinvestigation of all items listed above. Under the FCRA, you are required to delete any information that can not be verified with original source documentation. 

Please provide me with a written response confirming which items have been removed or updated. If any item remains, you must provide me with the name and contact information of the furnisher, along with the method and documentation used to verify the information.

Failure to comply with these obligations will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I expect a written response within 30 days as required under FCRA 611.

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