Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
I am filing this complaint against TransUnion for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. Despite previously disputing inaccurate and unauthorized information, TransUnion continues to report false addresses, erroneous account data, and derogatory tradelines that are severely harming my credit profile. These errors are not only negligent but indicate a pattern of reckless disregard for accuracy and compliance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is being reported on my credit file despite the fact that I have never lived at, used, or been associated with this location. I have submitted identity documentation proving my current and past legitimate addresses, and this address remains without verification. 
FCRA Violations : 15 USC 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 15 USC 1681i ( a ) Failure to reinvestigate disputed information. 
Issue : This incorrect address suggests mixed files or identity theft and has directly impacted my ability to obtain credit. TransUnion 's refusal to remove it despite prior notice is willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is also not associated with me and has been included in my credit file without my consent or legal tie. 
FCRA Violations : 15 USC 1681e ( b ), 1681i. 
Issue : This inaccurate address has resulted in misattributed accounts and is a violation of my right to an accurate credit file. I believe this reflects negligent file-matching practices by TransUnion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX This account is being reported as a charge-off even though I have previously disputed it on the basis of incomplete verification and lack of proper debt validation under the law. No documentation supporting the accuracy or ownership of this tradeline was provided to me by TransUnion or XXXX. 
FCRA Violations : 15 USC 1681i ( a ) Failure to conduct a reasonable reinvestigation. 15 USC 1681e ( b ) Reporting inaccurate information. 15 USC 1681g Failure to provide full file disclosure.

Issue : This account is severely impacting my creditworthiness. I demanded verification and proper investigation under my rights, which TransUnion failed to uphold. This reflects a pattern of systemic noncompliance and harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment This account is inaccurately reporting late payments. I have supporting documentation showing timely payments or arrangements made that were not properly reflected. I requested TransUnion to correct this, but no proper reinvestigation was done. 
FCRA Violations : 15 USC 1681s-2 ( b ) Furnisher duty to investigate disputed information. 15 USC 1681i Failure to reinvestigate. 
Issue : The continued reporting of false late payments is lowering my credit score and interfering with employment and housing opportunities. TransUnion has not fulfilled its legal obligation to ensure data integrity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection This collection is reporting on my credit file without any proper debt validation or verification of ownership. XXXX is a known debt buyer, and I requested proof under 15 USC 1692g ( b ) ( FDCPA ) and 15 USC 1681i, but none was provided.

FCRA & FDCPA Violations : 15 USC 1681e ( b ), 1681i ; 15 USC 1692g ( b ) Failure to validate debt. 
Issue : Reporting a collection account without verifying its legitimacy constitutes reckless and willful negligence. This has caused me emotional distress and denial of credit lines. 
I am requesting that the CFPB take regulatory action against TransUnion for multiple and ongoing violations of the Fair Credit Reporting Act. Their actions have caused me financial harm, denied opportunities, and extreme mental stress. I demand the permanent removal of the above-listed items and a complete reinvestigation in compliance with the law. I also request TransUnion be held accountable for their repeated failure to ensure maximum possible accuracy and refusal to act on legitimate disputes in a timely, lawful manner.

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