Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
I am filing this formal complaint against TransUnion for continued willful and negligent reporting of inaccurate, unverifiable, outdated, and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my rights under 15 U.S.C. 1681 and related laws. Despite my previous efforts to have these matters investigated and resolved, TransUnion has failed to uphold its legal obligations to ensure maximum possible accuracy and to conduct a proper reinvestigation under 15 U.S.C. 1681i. I am suffering significant emotional and financial harm due to these unlawful reporting practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is inaccurately associated with my credit profile. I have never lived at or been affiliated with this location in any personal or financial capacity. This error is damaging my creditworthiness and personal integrity.

Law Violated : FCRA 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Story : The inclusion of this address has led to confusion in verifying my identity and has resulted in multiple accounts and inquiries being wrongly linked to me. This false data has negatively affected applications for employment, housing, and lines of credit. Despite prior disputes, TransUnion continues to allow this inaccurate address to remain, showing willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off Date Opened : XX/XX/XXXX Balance Owed : {$250.00} * * Issue : This account is reported as a charge-off but lacks any supporting documentation. I was never served with a written notice, billing statement, or agreement related to this debt.

Law Violated : FCRA 1681i ( failure to investigate ), FDCPA 809 ( b ) ( failure to validate debt ).

Story : I became aware of this account only after checking my credit report. There is no record of prior billing, delinquency notices, or contractual consent from me. This suggests either a fraudulent account or gross negligence in verification before reporting. TransUnions failure to validate this debt after dispute is a clear breach of their investigative responsibilities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$3.00} * * Issue : Reporting a {$3.00} late payment is petty, harmful, and misleading. It disproportionately affects my credit score and public perception.

Law Violated : FCRA 1681e ( b ), 1681i ( inaccurate and misleading reporting ).

Story : This minimal balance was never communicated as delinquent, and I was not notified of any past due status. This feels like targeted damage for a negligible amount, especially as I have made consistent payments. Reporting this as a late payment is vindictive and malicious, and undermines the spirit of fair credit assessment. 
XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : A late payment is reported even though the account is paid in full. No outstanding debt remains, yet derogatory remarks remain.

Law Violated : FCRA 1681c-2 ( failure to block inaccurate info ), 1681e ( b ).

Story : This account was settled in full, yet TransUnion still shows a late payment, harming my profile. This is misleading, punitive, and creates a false negative impression of my payment history. A late mark on a XXXX balance is completely unreasonable and unlawful.

I am requesting that the CFPB investigate these matters fully and require TransUnion to delete all inaccurate accounts, inquiries, and personal address information from my credit report. I further request punitive action against TransUnion for repeated, willful noncompliance with the FCRA and failure to investigate under 1681i, and I seek compensation for damages caused by these inaccuracies, which continue to impact my employment, housing, and financial opportunities.

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