Consumer complaint received 2025-07-21 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: TN

Complaint narrative:
Dear CFPB Officer, I am submitting this complaint against TransUnion, LLC for the continued reporting of inaccurate, unverified, and legally non-compliant information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

Despite filing disputes directly with TransUnion, they have failed to investigate, verify, or delete the disputed items. Their non-compliance is negatively impacting my credit score and financial opportunities.

Violations Committed by TransUnion Include : FCRA 611 Failure to investigate disputed items within 30 days.

FCRA 609 Failure to provide proper verification and documentation.

FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

FCRA 604 ( a ) ( 3 ) Reporting inquiries without permissible purpose.

FCRA 623 ( a ) Reporting unverifiable, outdated, and misleading information.

FDCPA 809 ( b ) Collection accounts reported without debt validation.

Metro 2 Reporting Standard Violations Improper account statuses, inaccurate balances, missing notice of disputes, and misdated delinquencies.

Wrong Address Reporting ( Must Be Removed ) XXXX XXXX, XXXX, TN XXXX Wrong Address XXXX XXXX XXXX TN XXXX Wrong Address XXXX XXXX, XXXX, TN XXXX Wrong Address These addresses are inaccurately listed and do not belong to me. Their presence suggests possible file mixing or identity confusion. 

Disputed Accounts Below is a list of all disputed accounts with account numbers masked, balance details, and date opened : Late Payments ( Unverified or Incomplete ) XXXX  XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$2300.00} | Opened : XX/XX/XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$1000.00} | Opened : XX/XX/XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$600.00} | Opened : XX/XX/XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$980.00} | Opened : XX/XX/XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX | Balance : {$44000.00} | Opened : XX/XX/XXXX These furnishers reported late payments without providing billing statements, notice, or proper validation of delinquency. 

Charge-Offs ( Disputed for Accuracy and Verification ) XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance : {$1000.00} | Opened : XX/XX/XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$840.00} | Opened : XX/XX/XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$1000.00} | Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$1100.00} | Opened : XX/XX/XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$1900.00} | Opened : XX/XX/XXXXXXXX XXXX XXXX  ( Duplicate ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$1000.00} | Opened : XX/XX/XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$1700.00} | Opened : XX/XX/XXXX These accounts are either inaccurately charged-off, misdated, duplicated, or unverifiable. I requested validation and correction, but TransUnion has failed to act. 

Collections ( Reported Without Debt Validation ) XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX | Balance : {$1400.00} | Opened : XX/XX/XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX | Balance : {$960.00} | Opened : XX/XX/XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  | Balance : {$1500.00} | Opened : XX/XX/XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX | Balance : {$1600.00} | Opened : XX/XX/XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$2200.00} | Opened : XX/XX/XXXX These collections were never validated as required by FDCPA 809 ( b ), and I was never notified or provided with an opportunity to dispute the alleged debts.

Unauthorized Hard Inquiries ( No Permissible Purpose ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized these inquiries and have no relationship with these companies. They were not initiated by me and were added without a permissible purpose under FCRA 604 ( a ) ( 3 ).

What I Am Requesting from the CFPB A full investigation into TransUnion 's failure to follow federal law.

Enforcement action requiring permanent deletion of any unverifiable, inaccurate, outdated, or unauthorized data listed above.

Written documentation showing method of verification and source of each entry.

Assurance that TransUnion will comply with FCRA, FDCPA, and Metro 2 guidelines in future reporting.

These inaccurate entries are damaging my ability to secure credit, employment, and housing. I respectfully ask the CFPB to assist in holding TransUnion accountable and restoring the integrity of my credit file.

Thank you for your attention and advocacy on behalf of consumers like me.

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