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: TX

Complaint narrative:
I am submitting this complaint due to TransUnions willful negligence in maintaining and reporting inaccurate information on my consumer credit report. Despite multiple attempts to dispute, TransUnion continues to report incorrect addresses, unverifiable derogatory accounts, and unauthorized inquiries, violating the Fair Credit Reporting Act ( FCRA ). 
WRONG ADDRESSES : XXXX XXXX XXXX XXXX  XXXX, TX XXXX Issue : I have never lived at, been associated with, or used this address for any financial purpose. 
Law Violated : FCRA 607 ( b ), 611 ( a ) Story : This address is completely unfamiliar and unrelated to any of my personal or financial history. It may have been reported in error or due to possible identity theft. TransUnions failure to remove this despite prior disputes shows a clear lack of reasonable procedures to ensure report accuracy as required under the FCRA. It also impacts how lenders assess my identity and creditworthiness. 
XXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : Incorrect address ; not associated with me. 
Law Violated : FCRA 607 ( b ), 611 ( a ), 609 ( a ) ( 1 ) Story : I have never resided at this location. This false information could be contributing to the reporting of accounts or inquiries that dont belong to me. I requested documentation proving any link between me and this address, but none was provided by TransUnion. 
ACCOUNTS ( Late Payments/ Charge-offs/ Collections ) XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX  ) Issue : Multiple late payments reported inaccurately. 
Law Violated : FCRA 607 ( b ), 611 ( a ), 623 ( b ), 609 ( a ) ( 1 ) Story : I disputed the alleged late payments as I never received any valid proof from the creditor or TransUnion. The dates of delinquency appear inconsistent with my records. TransUnion failed to verify the data before continuing to report it, causing harm to my payment history and credit score. 
XXXX ( Acct : XXXX XXXX XXXX  ) Issue : Charged-off account reported without proper validation. 
Law Violated : FCRA 609, 623 ( a ) ( 3 ), 611 Story : This account was closed years ago, and I never received any notice regarding a charge-off. I requested documentation showing the debt was valid and charged off correctly, but TransUnion failed to produce anything. Reporting this without sufficient proof is damaging and unlawful. 
XXXX ( Acct : XXXXXXXX XXXX XXXX  ) Issue : Charge-off being reported despite lack of verification. 
Law Violated : FCRA 609 ( a ), 611, 623 ( a ) ( 1 ) ( A ) Story : I never received adequate notice, statements, or supporting documentation for this alleged debt. My disputes have gone ignored, and no original contract or transactional history has been provided. This account may be the result of mixed files or identity confusion. 
XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) Issue : Multiple late payments reported incorrectly.

Law Violated : FCRA 611, 607 ( b ), 623 ( a ) Story : I believe there is a reporting error on this account. I maintained regular payments, and no verified documentation has been provided to support the delinquencies reported. TransUnion failed to conduct a reasonable reinvestigation, violating my consumer rights. 
XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX ) Issue : Collection account reported without notice or validation.

Law Violated : FCRA 609 ( a ) ( 1 ), 611 ; FDCPA 809 ( b ) Story : I do not recognize this collection account. I never received a debt validation notice or dunning letter. I demanded verification, but neither TransUnion nor the collector provided proof of the debt. This account appears to be fraudulently assigned or belongs to someone else.

FINAL STATEMENT : TransUnion has repeatedly violated my rights under the Fair Credit Reporting Act by reporting false addresses, failing to verify or delete disputed derogatory accounts, and allowing unauthorized inquiries to remain on my report. These errors are impacting my credit score, loan eligibility, and overall financial stability.

I respectfully request the CFPB investigate these violations, instruct TransUnion to delete all inaccurate entries, and hold them accountable under FCRA 616 and 617 for willful noncompliance, including statutory and punitive damages if necessary.

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