Consumer complaint received 2025-07-04 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: MI

Complaint narrative:
I am submitting this complaint against TransUnion for numerous violations of the Fair Credit Reporting Act ( FCRA ), including reporting inaccurate personal identifying information, and furnishing incomplete, misleading, or erroneous account information. I have attempted to resolve these issues directly with TransUnion, but the inaccuracies persist, causing continuous harm to my credit profile and financial wellbeing. Below are the details of the specific violations, with each section including the issue, relevant laws, and contextual evidence. 
XXXX XXXX XXXX XXXX, NC XXXX Wrong Address This address is inaccurately reported on my TransUnion credit file. I have never lived at, used, or been associated with this address. Reporting this as part of my identifying information violates the FCRA 604 ( c ) ( 1 ) ( A ) which requires credit bureaus to maintain accurate personal information. Under FCRA 611, I have the right to dispute inaccurate personal data and expect reasonable procedures to verify such data, which was not done in this case. This misinformation affects the integrity of my credit report and causes confusion and risk of mixed-file or fraud. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4100.00} Late Payment This account is reporting multiple late payments that I dispute as inaccurate. The FCRA 607 ( b ) requires TransUnion to follow reasonable procedures to assure maximum possible accuracy of information. These late payments are not consistent with my records, and I was never properly notified or given a chance to correct these alleged delinquencies. Furthermore, under FCRA 611, I submitted disputes and requested validation, but TransUnion failed to conduct a reasonable reinvestigation and continued to report the derogatory payment history without proper documentation or proof. This has substantially lowered my credit score and impaired my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off This account is showing as a charge-off even though the balance is {$0.00}, which is misleading and inaccurate. If the account is closed and the balance is XXXX, reporting it as a charge-off is inconsistent with industry standards and misleading under FCRA 623 ( a ) ( 1 ) ( A ). This also violates FCRA 607 ( b ), which mandates that only accurate and updated data be reported. The presence of this account in my credit file despite its XXXX balance and resolved status is damaging and deceptive. It indicates non-payment where there is none, and this has severely harmed my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$230.00} Charge Off This account is being reported as a charge-off, but I was not made aware of the debt, nor was I provided with any notice or documentation to validate the alleged obligation. This is a violation of the FCRA 611 ( a ), which requires TransUnion to remove or correct any inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute. Additionally, this violates FCRA 623 ( b ), which requires furnishers to investigate and correct disputed information. I dispute the validity of this debt, and TransUnion has failed to provide proof, thereby unlawfully maintaining this derogatory information in my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4100.00} Charge Off This account is listed as a charge-off, but I have no knowledge of this debt nor have I received any documentation validating it. This reporting violates FCRA 609 ( a ) ( 1 ), which gives me the right to request the sources and details of information appearing on my file. I submitted multiple disputes regarding this account, but TransUnion has failed to provide any documentation proving the debt or verifying its accuracy. The continued inclusion of this unverifiable information is a direct violation of FCRA 611 and 623 ( b ) ( 1 ). The psychological and financial damage caused by this false reporting has been significant and ongoing.

I am formally requesting the CFPB to investigate TransUnion for repeated and willful violations of the Fair Credit Reporting Act. TransUnion has not met the legal standard of ensuring data accuracy, conducting reasonable reinvestigations, or providing proper validation upon dispute. These failures have directly impacted my credit score, financial opportunities, and peace of mind. I am requesting the immediate removal or correction of all erroneous accounts and the deletion of the incorrect address from my report. I also request punitive action be considered against TransUnion for their continued negligence and non-compliance with federal law.

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