Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
I am filing this complaint because inaccurate and damaging information is being reported on my TransUnion credit report, and despite my attempts to resolve these issues directly with the credit bureau, no proper investigation or correction has been made. These errors are negatively impacting my creditworthiness, and I am now turning to the Consumer Financial Protection Bureau for help in ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

First, my credit report lists XXXX XXXX XXXX, XXXX XXXX, SC XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX I have never lived at or been associated with in any way. I have repeatedly requested that these addresses be removed, as they are incorrect and potentially linked to accounts that do not belong to me. The continued presence of these addresses poses a serious risk of misattribution and identity confusion, which can lead to further errors in my report. 

In addition, several accounts listed on my credit report show late payments or collection activity that are either inaccurate, outdated, or not properly verified. For example, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a late payment even though the balance is {$0.00} and the account has long been closed. This account was paid in full and should not have derogatory marks remaining on my file. 

The account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs another example of unfair reporting. I faced financial hardship during the COVID-19 pandemic and communicated with the creditor, yet a late payment was reported without proper notice or opportunity to cure. Similarly, multiple accounts with XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, and XXXX late payments during periods when I was either in a deferment or income-driven repayment plan. I had informed the servicer of my situation, and in some cases, I was assured there would be no negative reporting. Still, the late marks were added, which I believe is both inaccurate and unfair. 

Additionally, a utility account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX also shows a late payment even though the account was paid off in full. I never received any communication about an unpaid balance. Lastly, a collection account from XXXX XXXX ( Account # XXXX ) appeared on my report without any prior contact from the collection agency or validation of the debt. I have no knowledge of this debt, and it remains unverifiable. 

I have submitted disputes directly to TransUnion requesting that these inaccurate items be corrected or deleted. However, TransUnion has either failed to investigate properly or responded with generic statements claiming the accounts were verified without providing any actual documentation. This is a violation of FCRA 611, which requires the credit bureau to conduct a reasonable reinvestigation of disputed information. 

As a resolution, I am requesting that the CFPB intervene and ensure that TransUnion performs a full and fair reinvestigation of each of the disputed items listed above. If the information can not be fully verified with proper documentation, I request that it be deleted from my credit file as required by the FCRA. I am also requesting that the incorrect addresses be permanently removed from my credit report. The ongoing reporting of these inaccurate items is unjustly damaging my credit and financial stability.

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 explanation