Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Dear CFPB Investigator, I am submitting this formal complaint against TransUnion due to their failure to maintain accurate, complete, and verifiable information on my consumer credit file, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Despite previous disputes, TransUnion continues to report incorrect addresses, inaccurate and unverifiable account information, and derogatory items that are harming my creditworthiness. Below is a detailed breakdown of my complaints : Incorrect Address Reporting Violation of FCRA 607 ( b ) The following addresses listed on my credit file are inaccurate and do not belong to me : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Wrong Address XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Violation : These addresses are not and have never been associated with me. Reporting false addresses compromises the accuracy of my file and violates FCRA 607 ( b ), which requires the credit bureau to maintain maximum possible accuracy. 
Request : Immediate deletion of these addresses from my TransUnion file. 
Inaccurate and Harmful Account Reporting XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$240.00} | Date Opened : XX/XX/XXXX | Status : Late Payment XXXX XXXX Issue : This account is reporting one or more late payments that I dispute as inaccurate. I have not received proper billing or notice, and no verifiable evidence has been provided to support these derogatory marks. 
Violation : FCRA 611 ( a ), 607 ( b ) Failure to investigate and ensure accuracy. 
Request : Provide complete documentation of alleged delinquencies. If unverifiable, delete all derogatory information. 
XXXX. XXXX. XXXX  Acct # : XXXXXXXX XXXX  High Balance : {$97.00} | Date Opened : XX/XX/XXXX | Status : Collection XXXX XXXX Issue : I do not acknowledge this debt. I never received a validation notice from XXXX. XXXX  within 5 days of initial contact as required by law. 
Violations : FDCPA 809 ( a ) : Failure to validate debt.

FCRA 611 & 607 ( b ) : Reporting unverifiable collection without consumer consent or proof. 
Request : Remove this item immediately unless the debt can be fully validated with original signed agreement and payment history. 
XXXX. XXXX XXXX XXXX XXXXXXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$11000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off XXXX XXXX Issue : This account is being reported as a charge-off, but there is no clear evidence of validation, ownership, or accurate reporting. I have never received official documentation or legal notice regarding this charge-off. 
Violations : FCRA 611 ( a ), 607 ( b ) : Lack of accuracy and reinvestigation FDCPA 807 ( 8 ) : Reporting derogatory status without complete validation Request : Provide proof of the original creditor agreement, payment history, and the reason for charge-off. If not available, this account must be permanently deleted.

Legal Support for My Claims 1. FCRA 602 ( A ), 607 ( b ), 611 ( a ) : Credit bureaus must ensure the accuracy and integrity of the data they report. 
2. FDCPA 809 ( a ) : Debt collectors must provide validation of the debt within 5 days of initial contact.

3. 15 U.S.C. 1681i : Mandates prompt reinvestigation of disputed items and removal if unverifiable.

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