Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against TransUnion for failure to maintain accurate and verifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite previous disputes, TransUnion continues to report inaccurate and unverifiable personal and account information, causing substantial harm to my creditworthiness and mental distress.

1. Incorrect Addresses TransUnion is reporting addresses on my credit profile that are inaccurate and do not belong to me. These errors violate FCRA 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. 
XXXX XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Wrong Address Legal Reference : Under FCRA 1681e ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy. These addresses are not connected to me and must be permanently deleted from my credit file.

2. Inaccurate Accounts ( Charge-Offs & Collections ) XXXX XXXX XXXX Acct XXXX : XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Issue : This account is reported as a Charge-Off. I dispute the balance, the validity of the debt, and TransUnion 's failure to verify the information with reasonable procedures.

Violation : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation Violation : FCRA 1681e ( b ) Failure to ensure accurate reporting XXXX XXXX XXXX Acct # : XXXX XXXX High Balance : {$23000.00} Date Opened : XX/XX/XXXX Issue : This account is also inaccurately listed as Charged-Off. I have previously disputed this, but TransUnion continues to report unverifiable and outdated data.

Violation : FCRA 1681s-2 ( b ) Duty to correct and update inaccurate information Violation : FCRA 1681c ( a ) ( 4 ) Reporting obsolete information XXXX XXXX XXXX XXXX Acct XXXX : XXXXXXXX XXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX Issue : This is reported as a Collection account. I never received notice or validation of this debt. The reporting violates my rights to verification under FDCPA and reinvestigation under FCRA.

Violation : FCRA 1681g Failure to disclose source of information Violation : FDCPA 809 ( 15 U.S.C. 1692g ) Failure to validate debt XXXX XXXX XXXX ( 2 accounts ) XXXX. Acct # : XXXX * o High Balance : {$970.00} o Date Opened : XX/XX/XXXX XXXX. Acct # : XXXX o High Balance : {$1600.00} o Date Opened : XX/XX/XXXX Issue : Both accounts are reported as Collections. These debts have not been validated, nor was I properly notified. Their reporting is harmful and unjust. 
Violation : FCRA 1681i Inadequate dispute handling Violation : FDCPA 807 ( 15 U.S.C. 1692e ) False or misleading representations XXXX XXXX Acct # : XXXX High Balance : {$380.00} Date Opened : XX/XX/XXXX Issue : This is another Collection account that lacks proper documentation and verification. Continued reporting without validation is unlawful. 
Violation : FCRA 1681b ( a ) Permissible purpose required Violation : FDCPA 809 Debt validation 3. Unauthorized or Improper Inquiries XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries were made without my knowledge or authorization, and I never applied for credit with these entities. TransUnion has allowed access to my credit file without permissible purpose.

Violation : FCRA 1681b No permissible purpose for accessing consumer file Violation : FCRA 1681c-1 Failure to place a fraud alert or block unauthorized access when requested Relief Requested : I respectfully demand the following : 1. Immediate deletion of all incorrect addresses listed above 2. Full investigation and permanent deletion of all unverifiable or inaccurate accounts listed 3. Removal of all unauthorized inquiries 4. A written response detailing steps taken and evidence used for verification as required by FCRA 1681i ( a ) ( 6 ) 5. A copy of my updated credit report confirming all corrections

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