Consumer complaint received 2025-07-04 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:
I am filing this formal complaint against TransUnion for reporting inaccurate, unverifiable, and outdated information on my credit report in violation of federal consumer protection laws. I have already attempted to resolve these matters directly with TransUnion, but they continue to report incorrect data that is causing significant harm to my creditworthiness and financial wellbeing. I am requesting immediate intervention from the CFPB to enforce the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all relevant statutes. Below are the specific disputes : 1. Wrong Address XXXX XXXX XXXX XXXX, TX XXXX This address is incorrectly listed on my TransUnion credit file. I have never resided at this location, and it does not belong to me. Under FCRA 15 U.S.C. 1681e ( b ), TransUnion has an obligation to ensure maximum possible accuracy. Reporting inaccurate address data may also result in identity confusion, increasing my risk of fraud. Despite previous disputes, TransUnion continues to report this false information. 
2. Wrong Address XXXX XXXX XXXX XXXX, TX XXXX This address is also inaccurately associated with my credit profile. I never lived at or had any connection to this property. FCRA 1681c ( a ) ( 4 ) prohibits the inclusion of erroneous outdated information that misrepresents my true identity and background. The continued presence of this false address shows TransUnions failure to use reasonable procedures to ensure data accuracy. 
3. XXXX | Acct : XXXX | Date Opened : XX/XX/XXXXXXXX  | High Balance : {$1000.00} | Status : Charge-Off This account is inaccurately reported with a charge-off status. I have previously disputed this account as erroneous and unverifiable. According to FCRA 1681i ( a ), TransUnion is obligated to conduct a reasonable reinvestigation, which they failed to do. Under FDCPA 15 U.S.C. 1692e ( 8 ), reporting false or misleading credit information is unlawful. The charge-off is harming my score and affecting my ability to secure credit. 
4. XXXX XXXX XXXXXXXX | Acct : XXXXXXXX XXXX | Date Opened : XX/XX/XXXXXXXX  | High Balance : {$320.00} | Status : Late Payment This account shows late payments that I dispute as inaccurate. I did not miss payments as reported. FCRA 1681s-2 mandates data furnishers and credit bureaus to report accurate and complete information. The continued inaccurate late marks are damaging and were not verified properly. I also believe this is a result of incomplete investigation and data mismatch. 
5. XXXX XXXX XXXX | Acct : XXXXXXXX XXXX | Date Opened : XX/XX/XXXXXXXX  | High Balance : {$950.00} | Status : Late Payment 6. XXXX XXXX XXXX | Acct : XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$570.00} | Status : Late Payment Both of these accounts are showing late payments that I dispute. I believe they were reported in error, and TransUnion failed to verify the legitimacy of these entries during reinvestigation. Under FCRA 1681i ( a ) ( 5 ), if disputed information can not be verified, it must be deleted. These entries are causing severe damage to my credit and were reported without proper validation. 
7. DEPT OF EDUCATIONXXXX | Acct : XXXXXXXX XXXX | Date Opened : XX/XX/XXXXXXXX  | High Balance : {$20000.00} | Status : Late Payment This account contains derogatory marks for alleged late payments. However, I was under a government forbearance program during the reported dates, and no delinquency should be recorded. TransUnion has failed to correct this after multiple disputes, violating FCRA 1681s-2 ( a ) ( 1 ) for continuing to report inaccurate data. 
8. XXXX XXXXXXXX XXXX | Acct : XXXXXXXX XXXX  | Date Opened : XX/XX/XXXXXXXX  | High Balance : {$33000.00} | Status : Late Payment This tradeline contains incorrect late payments. I assert that I made timely payments or was under a payment deferment arrangement not reflected in the credit report. FCRA 1681e ( b ) requires the credit bureau to maintain maximum accuracy. TransUnion has not provided any supporting evidence to verify these derogatory entries. 
9. XXXX | Acct : XXXX | Date Opened : XX/XX/XXXXXXXX  | High Balance : {$20000.00} | Status : Late Payment Late payments were added to this account despite my being under a federal forbearance period. Under CARES Act guidelines, federally backed student loans should not reflect negative information during covered periods. TransUnion is in violation of FCRA 1681i for failure to reinvestigate, and this is a form of negligent reporting. 
10. XXXX XXXX | Acct : XXXX | Date Opened : XX/XX/XXXXXXXX  | High Balance : {$430.00} | Status : Collection This collection account is being reported inaccurately. I have no knowledge or documentation of this debt. It is unverified and does not meet the accuracy standard of FCRA 1681e ( b ). TransUnion has failed to validate this debt and ignored my prior disputes, violating my rights under FDCPA 809 ( a ). 
11. XXXX XXXX | Acct : XXXX | Date Opened : XX/XX/XXXXXXXX  | High Balance : {$550.00} | Status : Collection XXXX  is reporting this debt in duplicate with another creditor and has failed to provide verification or proof of ownership. This violates FCRA 1681i and FDCPA 807 ( 8 ). This tradeline is false, incomplete, and unverifiable, and TransUnion continues to report it despite being notified multiple times. 
I respectfully request that the Consumer Financial Protection Bureau investigate TransUnions willful and negligent violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and instruct them to : Permanently delete all incorrect addresses Delete or correct all inaccurate account information listed above Cease reporting unverifiable, duplicate, or erroneous data Provide me with written confirmation of corrections or deletions

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