Consumer complaint received 2025-07-09 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 Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) in connection with the inaccurate, outdated, and unverifiable information being reported on my consumer credit file. 

Despite submitting a formal written dispute letter to TransUnion, they have continued to report the following erroneous and damaging items without proper verification, validation, or correction : Disputed Items on My TransUnion Report XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Incorrect address Violation : FCRA 1681c ( a ) ( 4 ) Prohibits reporting of outdated/inaccurate personal information XXXX XXXX XXXX, SC XXXX Issue : Unauthorized address on file Violation : FCRA XXXX ( b ) Duty to maintain maximum possible accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off with {$0.00} Balance * * Issue : Misleading and contradictory reporting Violation : FCRA 1681e ( b ) ; Metro 2 guidelineXXXX Inconsistent data harms credit profile XXXX XXXX XXXX XXXX XXXX XXXXharge Off * * Issue : Unverified and outdated information Violation : FCRA 1681i No supporting documentation or reinvestigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : Obsolete data older than 7 years Violation : FCRA 1681c ( a ) Data retention limits exceeded XXXX XXXXXXXX XXXX XXXX XXXX Charge Off * * Issue : Unverified reporting Violation : FCRA 1681i No response to dispute or verification XXXX XXXX XXXX XXXX XXXX XXXXate Payment * * Issue : Late payment during hardship/forbearance Violation : FCRA 1681s-2 ( a ) ( 1 ) ; CARES Act Improper reporting under active relief status XXXX XXXX XXXX XXXX XXXX  Charge Off * * Issue : Charged off while in negotiations Violation : FCRA 1681e ( b ) No final notice ; reporting incomplete and unfair XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : No debt validation provided Violation : FDCPA 809 ; FCRA 1681i No proof of debt before reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Issue : Incomplete, unverifiable data Violation : FCRA 1681s-2 ( b ) Failure to ensure accuracy and completeness XXXX XXXX XXXXXXXX Charge Off * Issue : Conflicting information from creditor Violation : FCRA 609 ( a ) ( 1 ) ; 1681e ( b ) No verifiable documentation provided XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed XX/XX/year> Issue : Inaccurate bankruptcy record I never filed Violation : FCRA 1681i Failure to verify public records from the source ( court ) Personal Statement Due to job loss and a series of medical emergencies in my family, I experienced financial hardship over the last few years. Despite working to recover, these false and outdated entries have severely hindered my progress. I provided TransUnion with formal notice of dispute along with legal references and personal explanations. However, they have failed to comply with their legal obligations under FCRA to investigate and correct or remove unverifiable information. 

I am requesting that the CFPB intervene and conduct a thorough review of TransUnions practices related to my consumer file, including : Their failure to delete unverifiable and obsolete data Their failure to investigate or respond within the FCRA-mandated timeline Their continued reporting of inaccurate address, charge-offs, and false bankruptcy These actions are reckless, negligent, and cause continued harm to my financial reputation. I respectfully ask for the CFPB to hold TransUnion accountable and to require immediate correction or removal of the disputed items listed above. 

Thank you for your assistance.

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