Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion LLC for their continued reporting of inaccurate, incomplete, and unverifiable information on my credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Despite attempts to dispute these accounts directly with TransUnion, they have failed to correct or remove the following inaccurate items, which are negatively affecting my credit profile and financial wellbeing. 

Each of the following accounts contains serious errors or violations of FCRA provisions and must be addressed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Issue : Wrong Address Law : FCRA 607 ( b ) Duty to maintain maximum possible accuracy Story : This address does not belong to me and has never been associated with my personal or financial records. Its continued presence on my credit report poses a risk of mixed files, fraud, and identity confusion. I have requested its removal with proof of my actual address history, yet TransUnion has failed to delete it. 

XXXX. XXXX XXXX Issue : Late Payment Law : FCRA 607 ( b ) ; FCRA 611 Failure to reasonably investigate Story : The alleged late payment occurred during a time when I was enduring significant financial hardship due to health-related circumstances. I made consistent efforts to stay current on my obligations and promptly resolved the delinquency. The creditor never validated this late status through proper documentation when I challenged the mark. TransUnion continues to report this without reasonable investigation or confirmation. 

XXXX. XXXX/DOFED Accounts ( 10 separate entries ) Issue : Late Payments on Federally Backed Student Loans Law : CARES Act ; FCRA 623 ( a ) ( 1 ) ( A ) Story : All of these accounts were placed under federal forbearance as part of the COVID-19 CARES Act protections, during which no negative reporting should have occurred. The continued presence of these late payments violates federal law and directly contradicts Department of Education guidance that federally owned loans under forbearance must not be reported as late. TransUnion has ignored the impact of these laws and refused to remove these inaccuracies after dispute. 

XXXX. XXXX XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : This account was never delinquent, and I received no valid notice regarding the claimed late status. The payment system failed to notify me, and my efforts to resolve it went unanswered. TransUnion did not obtain proper documentation or validate this information yet continues to publish it. 

XXXX XXXX XXXXXXXX Issue : Late Payment Law : FCRA 623 ( b ) ; FDCPA 807 Story : This account was paid and closed. The late payment reporting occurred post-closure and was never validated by the creditor when I disputed it. I requested full documentation, which has never been provided, making this mark unverifiable and misleading. 

XXXX. XXXX XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : I was enrolled in automatic payments during the alleged late period. A bank error led to the failure of the autopay, despite sufficient funds. No communication was issued to allow correction. The creditor reported a late payment without due process, and TransUnion failed to investigate this error upon dispute. 

XXXX. XXXX XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : The account transitioned during a credit issuer change, and reporting errors occurred during this time. I was not informed of any missed payment, and the creditor did not validate the status when I submitted my dispute. 

XXXX. XXXX ( Original Creditor : XXXX XXXX  ) XXXX Issue : Collection Account No Validation Law : FDCPA 809 ( a ) ; FCRA 611 Story : This debt was never validated with proper documentation. I never received a debt notice or verification from the collection agency. Reporting without validation is a clear violation of the FDCPA and FCRA. TransUnion continues to publish this account without enforcing proper consumer rights under the law. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Issue : Collection Account No Validation Law : FDCPA 807, 809 ; FCRA 611 Story : Despite submitting a direct dispute to XXXX XXXX they failed to validate this account. I never received proof of the debt, yet TransUnion continues to report it. This violates my rights under FDCPA and FCRA by allowing unvalidated and possibly fraudulent debt to remain. 

XXXX. XXXX Inquiry dated XX/XX/year> Issue : Unauthorized Inquiry Law : FCRA 604 ( a ) ( 3 ) Permissible Purpose Requirement Story : I did not apply for credit or authorize this inquiry. There is no permissible purpose under FCRA for this hard inquiry to be on my report. TransUnion failed to remove this unauthorized access even after formal dispute. 

Resolution Sought : Immediate removal of the wrong address Deletion of all inaccurate and unverifiable late payments Deletion of all XXXX late payments that violate the CARES Act Full deletion of collection accounts without proper debt validation Removal of the unauthorized hard inquiry Updated credit report issued within 30 days per FCRA 611 ( a ) ( 1 ) ( A ) A full written explanation of the procedures used during your investigation This pattern of negligence by TransUnion LLC demonstrates a willful disregard for the consumer protections outlined under federal law. I respectfully request the CFPB to intervene and hold the agency accountable for their failure to comply with the law and protect my consumer rights.

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