Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion for reporting inaccurate, unverifiable, duplicate, and misleading information on my consumer credit report, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692. Despite previous dispute attempts, TransUnion has continued to report these errors without properly investigating or correcting them as required by federal law.

Incorrect Addresses Being Reported The following addresses have been inaccurately associated with my credit profile : XXXX XXXX XXXX, XXXX XXXX, MO XXXX I have never resided at this address. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX I have no association with this property. 
Issue : These addresses are factually incorrect, and their inclusion on my report creates identity concerns and raises potential fraud risks.

Violations : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy.

FCRA 1681i : Failure to reinvestigate disputed information.

Charge-Off Accounts Reported Inaccurately 1. XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX o High Balance : {$12000.00} o Date Opened : XX/XX/XXXX o Issue : This account is marked as charged-off but is reporting inaccurate balance and delinquency history. No verification documents were provided after my dispute. 
Violations : FCRA 1681i, 1681e ( b ) ; FDCPA 807 ( 8 ) 2. XXXX XXXX Account # : XXXX XXXX  o High Balance : {$13000.00} o Date Opened : XX/XX/XXXX o Issue : This account shows as charged-off, but I do not recognize this debt. It remains unverified and is causing undue harm to my credit. 
Violations : FCRA 1681b, 1681e ( b ) ; FDCPA 809 ( b ) Collections Inaccurate, Duplicate, or Unverified 3. XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX o High Balance : {$340.00} o Date Opened : XX/XX/XXXX o Issue : I never received validation of this debt. No communication from this agency was ever made, and this is in violation of my consumer rights. 
Violations : FDCPA 809 ; FCRA 1681i 4. XXXX XXXX XXXX Account # : XXXXXXXX XXXX  o High Balance : {$1500.00} o Date Opened : XX/XX/XXXX o Issue : No debt validation was sent. This debt is unknown to me and is severely affecting my credit profile. 
Violations : FDCPA 807, 809 ; FCRA 1681i, 1681b 5. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX ( Duplicate Entry ) o High Balance : {$1200.00} o Date Opened : XX/XX/XXXX o Issue : This same account is being reported twice, which is a serious reporting error and artificially damages my score. 
Violations : FCRA 1681c-2, 1681e ( b ) ; FDCPA 808 ( 2 ) 6. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$560.00} o Date Opened : XX/XX/XXXX o Issue : Debt was never validated, and repeated attempts to obtain details were ignored. This is a third-party collection that is unverifiable. 
Violations : FDCPA 809 ; FCRA 1681i Hard Inquiries Unauthorized or Unverified The following hard inquiries were listed on my credit report without my consent or any associated permissible purpose : XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Issue : I did not authorize any of these inquiries, nor were they made in connection with a credit application from my side. 
Violations : FCRA 1681b ( c ) : Inquiries without a permissible purpose.

FCRA 1681e ( a ) : Duty to maintain procedures to prevent unauthorized disclosures.

Requested Actions I respectfully request the following resolutions from TransUnion : 1. Immediate removal of all inaccurate, unverifiable, and unauthorized entries listed above.

2. Deletion of all unverified hard inquiries made without permissible purpose.

3. Removal of all incorrect and unrelated addresses from my profile.

4. A full investigation conducted as per FCRA 1681i, with results mailed to me.

5. A statement of compliance ensuring my rights as a consumer are fully restored.

Final Note This matter has caused me significant emotional distress, credit denial, and reputation damage. TransUnions failure to act within the legal framework outlined by the Fair Credit Reporting Act and FDCPA is unacceptable. I am also preparing to escalate this complaint to the Federal Trade Commission ( FTC ) and seek legal counsel if not resolved promptly.

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