Consumer complaint received 2025-08-25 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: SC

Complaint narrative:
Dear TransUnion, This is my third formal request for a reinvestigation of inaccurate information being reported on my credit file. As a consumer, I am entitled under the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611, to accurate, fair, and verifiable reporting. Unfortunately, my rights continue to be violated as the information listed below remains inaccurate and unverified, despite my prior disputes.

The continued reporting of these items without proper verification is causing me serious harm, including financial stress and denial of credit opportunities. Under federal law, if you can not provide verified documentation proving the accuracy of these accounts, you are required to delete them immediately.

Wrong Address Reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This address has never belonged to me. Reporting false personal information directly violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Keeping this address on file falsely associates me with residences I have no connection to. 

XXXXXXXX XXXX XXXXXXXX Account # XXXX Open Date : XX/XX/XXXX | Balance : {$2600.00} This account is showing late payments that are not accurate. According to FCRA 611 ( a ) ( 1 ) ( A ), the burden is on the bureau to reinvestigate and verify disputed information. If XXXX XXXX  can not produce signed contracts, complete account history, and direct evidence of delinquency, this reporting must be deleted. 

XXXX XXXX XXXX Account # XXXX Open Date : XX/XX/XXXX | Balance : {$5500.00} This account is listed as a charge off, which is misleading and damaging. FCRA 607 ( b ) requires only verified and accurate data be reported. Unless XXXX XXXX provides proper documentation proving this charge off is valid, the account must be deleted from my report. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Open Date : XX/XX/XXXX | Balance : {$37000.00} This account reflects late payments that are not correct. FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable information after reinvestigation. If XXXX XXXX can not provide full payment history and original records of delinquency, then TransUnion is required to remove the inaccurate reporting. 

XXXX XXXX XXXX XXXX Account # XXXX Open Date : XX/XX/XXXX | Balance : {$3400.00} This account is marked as a charge off without proper verification. Continuing to report unsubstantiated negative information constitutes willful noncompliance under FCRA 616, which makes TransUnion liable for damages. Unless verified through proper documentation, this entry must be deleted immediately.

Final Statement As this is my third dispute, I demand strict compliance with the FCRA. The law is clear : any information that can not be verified must be deleted from my credit file. Failure to comply constitutes a violation of my consumer rights, and I am fully prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal
Trade Commission ( FTC ), and my State Attorney Generals office.

I expect the completion of this reinvestigation within the 30 days allowed by law. Please provide me with the updated results, including the method of verification, and the name, address, and telephone number of any furnisher contacted during your investigation.

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