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:
I am filing this formal complaint against TransUnion, XXXXLC, for multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and failure to maintain accurate information on my credit file. Despite prior disputes and proper documentation, TransUnion has failed to remove and/or correct the following inaccurate addresses and accounts that do not belong to me or are being inaccurately reported. 
I. Inaccurate Addresses Reported ( Violation of FCRA 1681e ( b ) ) TransUnion is reporting the following addresses that are factually incorrect and never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are being reported without permissible purpose, and violate my rights under : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete inaccurate information after dispute.

FCRA 1681b No permissible purpose to include these addresses on my report.

Despite prior disputes, these addresses continue to appear on my credit report and may be contributing to mixed files or identity theft concerns.

II. Accounts Being Inaccurately Reported ( Each Violates FCRA 1681i and 1681e ) Below is a summary of the inaccurate accounts on my TransUnion credit report, with clear violations : XXXX. XXXX ( # XXXXXXXX XXXX ) High Balance : {$2400.00} Issue : Charge-Off and Inaccurate Balance Violation : FCRA 1681e ( b ) Information is not verified, outdated Note : I never had any contractual relationship with this company. 
XXXX. XXXX XXXX XXXX ( # XXXX ) XXXX XXXX Issue : Collection Account with false balance reporting Violation : o FCRA 1681s-2 Furnishing inaccurate info o FCRA 1681e ( b ) Not accurate or verifiable o FDCPA 807 ( 8 ) False and misleading representation XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX ) XXXX XXXX Issue : Late Payments ( multiple ) not matching payment history Violation : o FCRA 1681i Failure to properly investigate disputes o FCRA 1681s-2 ( b ) Failure of furnisher to conduct reasonable investigation XXXX. XXXX XXXX XXXX  ( # XXXXXXXX XXXX ) XXXX XXXX Issue : Reported with repeated late payments after account closure Violation : o FCRA 1681e ( b ) Outdated and inaccurate info retained o FCRA 1681i Dispute was ignored XXXX XXXX XXXX XXXX ( # XXXX ) XXXX Issue : Third-party collection without proper validation Violation : o FDCPA 809 Failure to validate debt o FCRA 1681e ( b ) Inaccurate debt amount XXXX. XXXX XXXX XXXX ( # XXXX ) XXXX XXXX  Issue : Inaccurate collection entry Violation : o FCRA 1681s-2 ( b ) o FDCPA 807 Misleading representation III. TransUnion 's Failure to Investigate & Respond Appropriately I submitted disputes regarding these accounts and addresses. However, TransUnion : Did not conduct a reasonable reinvestigation under FCRA 1681i. 
Failed to delete or correct disputed information even after evidence was submitted. 
Continues to furnish outdated and false data in violation of federal law. 
Requested Resolution : 1. Immediate deletion of the inaccurate addresses listed above.

2. Full investigation and permanent deletion of the inaccurate accounts listed.

3. Written confirmation and updated credit report reflecting these corrections.

4. Civil penalties and enforcement action against TransUnion for systemic negligence and violations of the FCRA and FDCPA. 
Supporting Documents : I am attaching my government-issued ID, proof of address, dispute letters, and any correspondence exchanged with TransUnion regarding these issues. 
Conclusion : These errors have severely impacted my creditworthiness and caused me emotional and financial distress. I respectfully request that the CFPB intervene immediately to compel TransUnion to correct these grave errors and ensure compliance with the law.

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