Consumer complaint received 2025-06-22 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 CFPB, I am writing to file a formal complaint against TransUnion for failing to maintain accurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and relevant provisions of the Fair Debt Collection Practices Act ( FDCPA ).

Despite multiple attempts to have my credit file corrected, TransUnion continues to report inaccurate and outdated information that is negatively impacting my credit standing. Below is a comprehensive breakdown of the disputed items : Incorrect Addresses Reported ( FCRA 1681e ( b ) ) These addresses do not belong to me, and their continued presence on my credit file indicates inadequate procedures by TransUnion to ensure maximum possible accuracy : XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address XXXX. XXXX XXXX XXXXXXXX XXXX, XXXX, MD XXXX Wrong Address Violation : FCRA 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 
Disputed Accounts with Inaccuracies XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX High Balance : {$2600.00} Issue : Late Payments being reported inaccurately.

Law Violated : FCRA 1681i ( a ) : Failure to reinvestigate disputed information. 
FCRA 1681e ( b ) : Reporting inaccurate information. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX High Balance : {$5500.00} Issue : This account is reported as a charge-off, but I have not received accurate validation of this debt.

Law Violated : FCRA 1681b and 1681e ( b ) Permissible purpose and inaccurate reporting.

FDCPA 809 ( 15 USC 1692g ) Lack of proper debt validation. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX High Balance : {$37000.00} Issue : Late payments are inaccurately reported beyond permissible reporting periods.

Law Violated : FCRA 1681c Limitations on reporting obsolete information.

FCRA 1681e ( b ) Accuracy requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX High Balance : {$3400.00} Issue : Account listed as charge-off, no debt validation or investigation results were provided upon dispute. 
Law Violated : FDCPA 809 ( b ) Failure to validate debt.

FCRA 1681i ( a ) Failure to investigate consumer dispute. 
XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX High Balance : {$1700.00} Issue : Charge-off status without accurate verification or full payment history, impacting my creditworthiness. 
Law Violated : FCRA 1681i Right to dispute inaccurate information.

FDCPA Failure to notify of debt status or provide timely updates. 
XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX High Balance : {$750.00} Issue : Late payments reported after the account was closed/settled. No response received to dispute. 
Law Violated : FCRA 1681s-2 ( b ) Furnisher 's duty to correct and update information.

FCRA 1681e ( b ) Accuracy of data. 
XXXXXXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : Inaccurate late payment reporting, possibly duplicate entry. 
Law Violated : FCRA 1681s-2 Duty of furnishers to investigate and correct.

FDCPA 807 False or misleading representations.

Complaint Summary : These inaccuracies have severely impacted my ability to secure housing, employment, and credit. Despite my rights under the FCRA, TransUnion has failed to uphold its legal obligations. I have exhausted all reasonable efforts to resolve these matters directly, but no satisfactory action has been taken. I am requesting the CFPB to : 1. Launch a full investigation into TransUnions failure to report accurate information.

2. Enforce deletion or correction of all disputed accounts and wrong addresses.

3. Hold TransUnion accountable under the FCRA and FDCPA for its negligence and harm caused.

Supporting Laws Cited : FCRA 1681e ( b ) : Reasonable procedures to ensure accuracy FCRA 1681i ( a ) : Reinvestigation of disputed information FCRA 1681c : Obsolete information FCRA 1681s-2 ( b ) : Duty to investigate and correct inaccurate information FDCPA 809 : Validation of debts FDCPA 807 : Prohibition of false or misleading information Resolution Requested : Immediate deletion or correction of all inaccurate entries and addresses Written confirmation of corrections Investigation of TransUnions compliance with federal laws Thank you for your assistance in this matter.

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