Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
Summary of Complaint : I am filing this complaint against TransUnion LLC for willfully and negligently reporting inaccurate, unverifiable, and outdated information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I formally disputed these accounts directly with TransUnion, but they either failed to conduct a reasonable reinvestigation or allowed incorrect and damaging data to remain. Below are the details of each violation : XXXX. Wrong Address Reporting ( Violation of FCRA 1681e ( b ) ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX I have never lived here. This address is not associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have no affiliation with this location either. 

These addresses are being reported without proper identity verification, which reflects a failure to maintain maximum possible accuracy as required by law. 

2. XXXX XXXX  Account # : XXXX Open Date : XX/XX/XXXX Balance : {$17000.00} Issue : Late Payments Reported Violation : FCRA 1681s-2 ( b ) ; CARES Act I experienced financial hardship and requested accommodation during this period. The lender failed to accurately reflect my status, and TransUnion is reporting late payments that do not comply with the CARES Act protections. 

3. XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Balance : {$990.00} Issue : Charge Off Violation : FCRA 1681i ; FDCPA 809 No debt validation was ever provided. I formally disputed this entry, and it remains on file despite being unverifiable. 

4. XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Balance : {$1800.00} Issue : Charge Off Violation : FCRA 1681e ( b ) ; FDCPA 807 The account was disputed due to questionable ownership and incorrect balance data. TransUnion failed to perform a proper reinvestigation and continued to report without substantiation. 

5. XXXX XXXX ( XXXX Entries ) Account # 1 : XXXX Open Date : XX/XX/XXXX Balance : {$10000.00} Account # 2 : XXXX Open Date : XX/XX/XXXX Balance : {$2900.00} Issue : Duplicate Charge Offs Violation : FCRA 1681e ( b ) ; 1681i Both accounts appear to reflect the same debt, but are being reported twice, likely in an attempt to re-age or double-penalize my credit. This is misleading and harmful.

6. XXXX Account # : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment on Closed Account Violation : FCRA 1681s-2 ( b ) TransUnion is reporting derogatory payment history on an account with a {$0.00} balance. This is unjustified and misleading.

7. XXXX XXXX  XXXX Account # : XXXX Open Date : XX/XX/XXXX Balance : {$7900.00} Issue : Charge Off Violation : FCRA 1681i ; FDCPA 809 ( b ) The debt is being reported without proper documentation or validation. TransUnion failed to verify ownership and details as required. 

8. XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Balance : {$11000.00} Issue : Charge Off Violation : FCRA 1681e ( b ) The account shows inconsistent and inaccurate reporting across different bureaus. TransUnion has not verified or corrected these discrepancies. 

9. XXXX  Hard Inquiry Date of Inquiry : XX/XX/XXXX Issue : Unauthorized Inquiry Violation : FCRA XXXX ( a ) ( XXXX ) I did not authorize this credit inquiry and did not initiate a credit transaction with XXXX. No permissible purpose exists under the FCRA, and the inquiry must be removed.

Requested Resolution : Immediate deletion of all the inaccurate, unverifiable, and harmful entries listed above.

Written confirmation of investigation results for each item.

Updated credit report reflecting the corrections.

Assurance that these violations will not be repeated in the future.

Harm Caused : These inaccurate entries have lowered my credit score, prevented me from accessing essential financing, and caused emotional XXXX. TransUnions failure to comply with federal laws is not only negligent but has financially harmed me.

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