Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
Dear CFPB Representative, I am writing to formally lodge a complaint against TransUnion, who has repeatedly reported inaccurate, incomplete, and unverifiable information on my credit report, despite multiple disputes and requests for investigation. These inaccuracies are severely damaging my financial reputation and violating my consumer rights under federal law. 
Wrong Addresses Reported on My Credit File These addresses are being reported inaccurately and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These are not my current nor previous addresses, and their inclusion is misleading and violates my rights under : FCRA Section 607 ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

Accounts Reported Inaccurately on My TransUnion Report 1. XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} Issue : Late Payments * * This account is reporting late payments that I dispute. I have not been provided documentation verifying these payments were indeed late. The account is being misrepresented, and no validation has been provided despite my request. 
Violation of FCRA 611 ( 15 U.S. Code 1681i ) Failure to properly reinvestigate disputed information.

Violation of FCRA 609 ( a ) ( 1 ) Failure to provide complete records and verification upon request. 
2. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$31000.00} Issue : Late Payments * * XXXX XXXX XXXX has been reporting me late multiple times, even though I submitted a formal dispute citing errors and requested documentation. No such validation has been provided by TransUnion, yet the account remains with derogatory marks.

Violation of FCRA Section 611, Violation of 15 USC 1681e ( b ) Failure to maintain accuracy. 
3. XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$4500.00} Issue : Late Payments * * This account has repeatedly shown late payments even though I requested proof of such delinquencies. The furnisher has not validated the debt or provided a breakdown of the supposed late history.

Violation of FCRA 609 ( a ) ( 1 ) Inability to furnish original signed agreements or validation.

Violation of FDCPA Section 807 ( 8 ) Misrepresenting credit information. 
4. XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} Issue : Charge-Off * * This charge-off is inaccurate. I previously disputed the reporting as the account balance and status were never validated. TransUnion failed to provide any documentation proving this debt was legitimate and collectible.

Violation of FCRA 611, Violation of FDCPA 809 ( b ) Failure to validate debt before reporting. 
5. XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Issue : Late Payments * * This account includes multiple derogatory remarks. I formally disputed these late payments, and no reinvestigation or validation was completed.

Violation of FCRA 611, Violation of FCRA Section 607 ( b ) Reporting unverifiable data.

6. XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Issue : Charge-Off * * This charge-off is outdated and unverified. I requested validation under 15 USC 1681g and have not received any response. The account has been hurting my credit for years without cause.

Violation of FCRA Section 609, Violation of FDCPA Section 809 ( b ) 7. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Issue : Charge-Off * * This is a significant charge-off being reported without proper documentation or validation. TransUnion never conducted a good-faith investigation or removed the account after repeated disputes.

Violation of FCRA 611, Violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) 8. XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$50.00} Issue : Late Payments * * Even though the balance is low, this account shows late payments that are inaccurate. I have attempted to dispute this multiple times, yet no action has been taken.

Violation of FCRA 611, Violation of 15 USC 1681c Outdated, inaccurate information reported.

Final Complaint Summary I have suffered financial harm, emotional stress, and unfair credit denials due to TransUnions failure to follow federal law. Despite exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), TransUnion has continued to report unverifiable, outdated, and misleading information.

I am requesting the CFPB to initiate an investigation into TransUnion 's failure to comply with federal laws, and to compel them to delete or correct the above items unless full validation and reinvestigation are provided.

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