Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud investigation: \nAccount number don't match, address , payment which not posted to my account until 2 years later.\nam filing this complaint against TransUnion for multiple violations of the Fair Credit Reporting Act (FCRA) and failure to comply with the Texas Address Confidentiality Program (ACP) laws.\n\nI am a registered participant in the Texas Address Confidentiality Program (ACP), as verified by the Texas Attorney Generals Office on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Texas law and FCRA, TransUnion is legally required to use my ACP substitute address for all correspondence and to delete or suppress all previous addresses, names, and phone numbers associated with my file.\n\nXXXX XXXX XXXX XXXX, I sent TransUnion a certified letter demanding the following:\n\nPermanent deletion of fraudulent accounts previously disputed\n\nPermanent deletion of inaccurate addresses and name variations\n\nRestriction of identifying information consistent with my ACP protections\n\nProvision of a corrected credit file\n\n\nDespite prior disputes over a period of more than 10 months, TransUnion has repeatedly marked inaccurate information as verified, including a XXXX XXXX XXXX XXXX account ending in XXXX, which was fully paid. They have not provided any method of verification or supporting documentation as required under FCRA  611(a)(7).\n\nTransUnion has also requested that I provide residential address documentation, despite my legal protection under ACP. This is a direct violation of Texas Code of Criminal Procedure Art. XXXX which prohibits private entities from demanding or disclosing my physical address once an XXXX  substitute address is issued.\n\nI have provided TransUnion with:\n\nMy official Texas ACP authorization letter\n\nProof of payment for the disputed account\n\nPolice reports and identity theft affidavits\n\nMultiple dispute letters sent via certified mail\n\nTo date, they have failed to:\n1. Remove or correct fraudulent and inaccurate information\n2. Properly verify disputed information under FCRA  611\n\n3. Restrict or update my address to comply with XXXX protections.\n4. Conduct a reasonable reinvestigation as required by law.\nThis ongoing noncompliance has caused significant harm to my credit, personal privacy, and safety. I am requesting that the CFPB require TransUnion to:\n\nFully comply with XXXX  XXXX  address protections\n\nPermanently delete inaccurate addresses, names, and fraudulent accounts from my credit file\n\nProvide a full description of the method of verification used for the XXXX XXXX XXXX XXXX XXXX\nIssue a corrected credit report reflecting these changes\n\n\nI have retained all certified mail receipts and copies of my correspondence to verify my timeline and efforts."

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 explanation