Consumer complaint received 2025-07-05 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: PA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for violating the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws by reporting multiple inaccurate, obsolete, and unverifiable items on my credit report. Despite my repeated attempts to dispute and correct these inaccuracies, TransUnion continues to report false information that is damaging my credit, causing emotional distress, financial harm, and denial of credit. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is inaccurately reported. I have never resided at or had any connection to this location. 
Violation : FCRA 602 ( a ) inaccurate and obsolete information must not be reported.

Impact : This incorrect address raises red flags on my file, suggesting fraud or identity confusion, and associates me with accounts and activities that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are inaccurate and unrelated to me. I have no known connection to them. 
Violation : FCRA XXXX ( b ) TransUnion must maintain reasonable procedures to assure maximum possible accuracy. 
Impact : Reporting incorrect addresses can cause mislinking of accounts, incorrect credit decisions, and increased risk of identity fraud. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off * * This account has been reported as charged off despite having a {$0.00} balance, which indicates it was resolved or closed. Reporting this as a charge-off is inaccurate and misleading. 
Violations : FCRA XXXX ( a ) ( XXXX ) obsolete charge-offs must not be reported after 7 years ; FCRA XXXX ( a ) ( XXXX ) ( A ) furnishers must provide accurate information. 
Impact : This unjust charge-off is damaging my credit rating and is deterring lenders from approving my applications. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$1000.00} | Status : Charge-Off * * I previously disputed this account due to errors in balance, payment history, and responsibility. Yet TransUnion has continued to report it with inaccuracies. 
Violations : FCRA 611 ( a ) failure to properly reinvestigate ; FDCPA 807 false representation of a debt.

Impact : This erroneous reporting continues to impact my financial reputation and causes repeated credit denials. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$560.00} | Status : Collection * * I do not recall this debt, and no proper validation was provided. This collection is being reported without my consent or knowledge. 
Violations : FDCPA 809 ( b ) lack of debt validation ; FCRA 623 ( b ) failure to update or remove inaccurate data.

Impact : This is potentially a case of mistaken identity or fraud and is severely harming my score and credibility. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$130.00} | Status : Collection * * I never had a debt with XXXX XXXX XXXX, and this collection was added without proper verification. 
Violations : FCRA 604 ( a ) ( 3 ) permissible purpose required ; FDCPA 807 ( 8 ) misleading credit reporting.

Impact : This false collection is damaging my personal and professional image, especially when viewed by potential employers or landlords. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$94.00} | Status : Collection * * This debt does not belong to me. It was never validated and may be related to fraudulent utility use or an error in reporting.

Violations : FDCPA 809 validation required ; FCRA 611 failure to correct errors after dispute.

Impact : This derogatory entry lowers my creditworthiness unfairly and can affect access to basic services like housing or insurance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off * * This account has a {$0.00} balance, yet TransUnion continues to list it as a charge-off.

Violations : FCRA 607 ( b ) failure to assure accuracy ; FCRA 605 ( a ) ( 5 ) outdated charge-off reporting.

Impact : Listing this as a negative account when it's closed misrepresents my financial behavior and limits future borrowing opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} | XXXX : XXXX * * This charge-off is being reported with inconsistent and unverifiable information. 
Violations : FCRA 623 ( a ) ( 1 ) ( B ) furnishers must not report information they know is inaccurate ; 611 ( a ) failure to properly reinvestigate.

Impact : This is causing long-term negative scoring despite the account being resolved. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The charge-off status is incorrect and misleading as the balance is {$0.00}, and the account has not been validated. 
Violations : FCRA XXXX unfair credit reporting ; FDCPA XXXX false representation of debt status. 
Impact : This undermines my credibility with future lenders and employers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$1100.00} | Status : Charge-Off * * This account has been reported with discrepancies in balance, status, and payment history. No proper resolution of dispute was provided. 
Violations : FCRA XXXX failed dispute process ; FCRA XXXX ( a ) ( XXXX ) furnishers must update and correct errors. 
Impact : The inaccurate status of this account is materially harming my score and trust with financial institutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * This account was included in prior disputes. TransUnion failed to validate it properly. 
Violations : FCRA XXXX ; FDCPA XXXX validation and reinvestigation required. 
Impact : False charge-off listings mislead lenders and block credit approvals. 
XXXX XXXX XXXXXXXX Status : Bankruptcy This bankruptcy is inaccurately linked to my name. I have never filed for bankruptcy in any jurisdiction. 
Violations : FCRA XXXX ( b ) public records must be accurately matched to the consumer ; FCRA XXXX ( b ). 
Impact : This false record is severely damaging, as bankruptcy carries a major stigma and long-term credit penalty. 
Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my knowledge, consent, or application for credit. 
Violations : FCRA XXXX ( a ) ( XXXX ) permissible purpose is required ; FCRA XXXX must notify consumer of inquiry use. 
Impact : Unauthorized inquiries lower my XXXX XXXX and reflect potential fraud or privacy violations. 
Conclusion : TransUnion is in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal protections. These inaccuracies have caused irreparable harm to my creditworthiness, personal reputation, and emotional well-being. I am demanding that TransUnion immediately investigate, correct, or delete the above-listed inaccurate accounts, addresses, public records, and inquiries. 
I am requesting the CFPB to investigate TransUnion for negligent and willful noncompliance with federal law, and to ensure that they are held accountable for their repeated failure to maintain fair, accurate, and verifiable credit reporting.

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