Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I am filing this complaint because TransUnion is reporting multiple inaccurate, duplicate, and unverifiable items on my credit report. These errors are damaging my credit standing, preventing me from obtaining fair lending opportunities, and violating the Fair Credit Reporting Act. I have disputed these items, but TransUnion has failed to correct them. Below is a breakdown of the issues : Addresses TransUnion continues to report the following wrong addresses : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX. These are outdated and no longer associated with me. Reporting wrong addresses misrepresents my identifying information and increases the risk of identity confusion. 

XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX balance {$2600.00} chargeoff and XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX balance {$3200.00} chargeoff * * These are duplicates of the same account, reported with two different balances. This is inaccurate, misleading, and a violation of FCRA 607 ( b ). 

XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX balance {$40.00} late payment * * This account is reporting a late payment that is incorrect. This was a disputed charge at the time and not a true delinquency. TransUnion has continued to report it even though it is misleading to show a {$40.00} disputed balance as a late payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX balance {$910.00} late payment Many of these are duplicates of the same loans and some were in deferment or forbearance during the times marked as late. Reporting them as late payments is false, misleading, and harmful. 

XXXX & XXXX account number XXXX date opened XX/XX/XXXX balance {$2000.00} collection This account is being reported as a collection without proper validation. I never received proof that this balance is valid, yet TransUnion continues to allow it to appear on my report.

Medical Payment Data account number XXXX date opened XX/XX/XXXX balance {$2000.00} collection This medical debt has never been validated. I have no documentation proving that I owe this amount. Medical debt is often billed in error, and under CFPB guidance it should not be reported without strict verification.

Summary of Harm : TransUnions reporting of wrong addresses, duplicate accounts, misreported late payments, and unverifiable collections is in direct violation of the Fair Credit Reporting Act. These errors are damaging my creditworthiness and preventing me from accessing fair financial opportunities. I am asking the CFPB to intervene and ensure TransUnion deletes or corrects all inaccurate, duplicate, and unverified items immediately.

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