Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion LLC for their continued failure to correct or remove inaccurate and unverifiable information from my credit report, despite my direct disputes. These reporting errors are seriously damaging my credit profile, financial opportunities, and peace of mind.

Below, I am outlining each item in dispute along with the nature of the violation, the specific law being violated, and my personal explanation to demonstrate the harm being caused. 

XXXX XXXX XXXX XXXX XXXX TX XXXX Issue : This address is not associated with me.

Law Violated : FCRA 607 ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy.

Complaint : This outdated address remains on my report even though I have never resided there. TransUnion has ignored my previous request to remove it, and it continues to falsely associate me with a location I have no connection to. 

XXXX XXXX XXXX XXXX, DE XXXX Issue : This is a false address not belonging to me.

Law Violated : FCRA 610 ( a ) ; 609 ( c ) ( 2 ) Right to dispute inaccurate information. 
Complaint : I have never lived at this address. Its inclusion on my report increases my risk of file mixing or identity theft, yet TransUnion has allowed it to remain uncorrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$560.00} | Status : Late Payment Issue : Account contains late payments reported during financial hardship.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information. 
Complaint : I disputed this late payment and explained I was experiencing financial hardship at the time. I attempted to work with the creditor, but TransUnion refused to update or remove the account. Their refusal to reflect my actual situation is unfair and unjustified. 

XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$600.00} | Status : Collection Issue : Collection was reported without validation. 
Law Violated : FDCPA 809 ( b ) ; FCRA 611 ( a ) Complaint : This account was never validated by the collection agency and I never received proper notice before it was reported to TransUnion. I have disputed this multiple times with no proof being provided, and yet it remains. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$66.00} | Status : Collection Issue : Debt is unverified and may be erroneous.

Law Violated : FCRA 604 ( a ) ( 3 ) ; FDCPA 807 ( 8 ) Misleading collection reporting. 
Complaint : This appears to be a billing or clerical error, yet it has been placed into collections and reported to TransUnion without validation or notice. I believe this was reported prematurely and in violation of my rights. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$400.00} | Status : Collection Issue : Unvalidated and likely duplicate debt.

Law Violated : FCRA 611 ( a ) ; FDCPA 809 ( b ) Complaint : I requested verification of this debt directly and received no documentation. This collection appears to be a duplicate or an error, and TransUnion has failed to remove or correct it, despite the lack of proof. 

Summary of Complaint : TransUnion has repeatedly failed to comply with the FCRA 's core requirement to ensure accurate reporting and to remove unverifiable information within 30 days of a dispute under FCRA 611 ( a ). Their actions are negligent and harmful, especially considering my detailed disputes and supporting evidence. I believe TransUnion is violating federal law and causing me direct financial harm.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate these violations, hold TransUnion accountable, and compel the removal of the disputed information. I also request written confirmation once this complaint has been investigated and resolved.

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