Consumer complaint received 2026-02-18 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for reporting multiple inaccurate, misleading, and unverifiable items on my consumer credit file despite my prior disputes. TransUnion has failed to follow reasonable procedures to assure maximum possible accuracy as required under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). I have disputed these items directly, yet the inaccurate information continues to report without proper verification or lawful documentation. 

TransUnion is reporting two incorrect addresses on my credit file : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. These addresses are not associated with me and are inaccurate. Despite being disputed, they remain on my report, demonstrating a failure to conduct a proper reinvestigation. 

TransUnion is also reporting inaccurate late payment history on XXXX XXXX XXXX opened XX/XX/XXXX with original balance {$260000.00}, XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX with original balance {$60000.00}, and XXXX XXXX opened XX/XX/XXXX with highest balance {$530.00}. I have never made late payments on these accounts, and the derogatory payment history being reported is inaccurate. TransUnion has not provided competent documentation demonstrating that these late payments were verified through a lawful and reasonable reinvestigation. Reporting unverified late payment information violates federal law. 

In addition, TransUnion is reporting multiple charge-off accounts that I do not recognize and have no knowledge of. I did not authorize these accounts and dispute any alleged responsibility for them. These include XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX with highest balance {$4100.00}, CXXXX XXXX opened XXXX XXXX, XXXX with highest balance {$1000.00}, XXXX XXXX opened XX/XX/XXXX with highest balance {$2500.00}, XXXX XXXX XXXX opened XX/XX/XXXX with highest balance {$260.00}, XXXX XXXX XXXX opened XXXX XXXX, XXXX with highest balance {$250.00}, XXXX  XXXX XXXX opened XX/XX/XXXX with highest balance {$7800.00}, and XXXX XXXX  XXXX opened XX/XX/XXXX with highest balance {$3600.00}. I never received proper validation of these alleged debts as required under 15 U.S.C. 1692g, and TransUnion has failed to demonstrate lawful verification. Reporting charge-offs without competent evidence of ownership and accuracy violates 15 U.S.C. 1681s-2 ( a ). 

TransUnion is also reporting unauthorized inquiries from XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX. I did not authorize these inquiries and there is no permissible purpose for them to appear on my credit report. 

TransUnion has either failed to conduct a reasonable reinvestigation or is simply relying on automated responses without obtaining original documentation. Marking items as verified without providing the method of verification does not satisfy the requirements of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I am requesting that the CFPB require TransUnion to provide documented proof of verification for each disputed item or permanently delete the inaccurate, unverifiable, and unauthorized information from my credit file. Continued reporting of false or unverified information is causing ongoing financial harm and is a direct violation of federal consumer protection laws.

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