Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Summary of Complaint : On XX/XX/XXXX, I submitted a formal dispute to TransUnion regarding the XXXX XXXX XXXX account. As of XX/XX/XXXX, when I pulled my TransUnion credit report ( File Number : XXXX ), TransUnion had failed to enter the legally required notice of dispute under 15 U.S.C. 1681i ( c ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ). This is a direct and repeated violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, TransUnion is knowingly and repeatedly reporting inaccurate, misleading, and unverifiable derogatory information regarding the XXXX XXXX XXXX account. My credit report indicates : A 90-day late status in XX/XX/XXXX A XXXX late status in XX/XX/XXXX and XX/XX/XXXX A charge-off in XX/XX/XXXX, with an unpaid balance charged off remark This reporting timeline is impossible and misleading and misrepresents the age and status of the alleged debt. The inconsistencies and abrupt charge-off following consecutive late entries violate industry standards and reasonable reporting practices. 

Furthermore, TransUnion continues to report multiple addresses that I have never resided at, despite repeated disputes and correction requests. These inaccurate addresses include : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Shady XXXX XXXX XXXX XXXX, VA XXXX XXXX continued reporting of these incorrect addresses creates confusion, misidentifies my residency history, and may increase my risk of misidentification, fraud, or denial of credit. This violates 15 U.S.C. 1681e ( b ) which requires TransUnion to maintain maximum possible accuracy in consumer reports.

FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( c ) Failure to include notice of dispute in subsequent reports 15 U.S.C. 1681s-2 ( a ) ( 3 ) Furnishers failure to notify of dispute 15 U.S.C. 1681n and 1681o Willful and negligent noncompliance with the FCRA Relief Sought : Immediate deletion of the XXXX XXXX XXXX account from my TransUnion credit file. 

Removal of all inaccurate addresses that I have never lived at. 

Written confirmation that TransUnion has added the proper notice of dispute to my file. 

A corrected credit report reflecting accurate account and address history. 

A full investigation by the CFPB into TransUnions repeated FCRA violations. 

Compensation for harm caused by TransUnions willful and negligent violations under the FCRA. 

Attached Evidence : My TransUnion credit report dated XX/XX/XXXX, showing : Failure to report the dispute on the XXXX XXXX XXXX account Incorrect reporting of 120-day lates and charge-off Continued reporting of inaccurate addresses Also attached is usps receipt showing proof that Transunion received my dispute XXXX XX/XX/XXXX. XXXX at XXXXXXXX XXXX

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