Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
Dear CFPB Officer, I am writing to file a formal complaint against TransUnion LLC for failing to ensure the accuracy, completeness, and verification of the information being reported in my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have attempted to resolve these issues directly with TransUnion, but the inaccurate and harmful information continues to appear. Below, I am providing specific details of the disputed items along with corresponding legal violations and explanations : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Wrong Address Issue : I have never lived at this address and have no connection to it. 
Law Violated : FCRA 607 ( b ) TransUnion is required to follow reasonable procedures to ensure the maximum possible accuracy of the information. 
Story : This address may have been added due to file mixing or identity error. Its presence increases the risk of cross-file reporting and false associations. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX Wrong Address Issue : I have never resided at or been linked to this address. 
Law Violated : FCRA 609 ( c ) ( 2 ) ( E ) I have the right to dispute and request deletion of inaccurate personal identifiers. 
Story : No proof connects me to this location. Keeping such address on file is reckless and misleading. 
XXXX XXXX XXXX XXXX, NC XXXX Wrong Address Issue : This is not now nor has ever been my place of residence. 
Law Violated : FCRA 605 ( b ) Outdated or false addresses must be excluded. 
Story : I have never used this address in any application. Its presence causes confusion and discredits my profile. 
XXXX XXXX XXXX XXXX XXXX Charge-Off High Balance : {$600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : This account is inaccurately reported as a charge-off without proper validation. 
Law Violated : FCRA 611 ( right to dispute ), FDCPA 809 ( debt validation ), FCRA 623 ( b ) ( reasonable investigation ). 
Story : I never received contractual proof or account history. Despite disputes, TransUnion continues reporting unverified negative data. 
XXXX / XXXX XXXX Charge-Off High Balance : {$1700.00} Date Opened : XX/XX/XXXXXXXX XXXX  Issue : This is not a valid debt. Ive never had a relationship with this creditor. 
Law Violated : FCRA 609 ( a ) ( 1 ) Right to know and request documentation, FCRA 623 ( a ) Accurate reporting.

Story : The creditor has not provided any agreement or breakdown of charges. TransUnion failed to remove it after dispute. 
XXXX XXXX XXXX XXXX XXXXXXXX Collection High Balance : {$5200.00} Date Opened : XX/XX/XXXXXXXX XXXX Issue : No proper validation was ever given. This is an unverified collection. 
Law Violated : FDCPA 809 ( b ) Validation of debts ; FCRA 611 Obligation to delete unverifiable items.

Story : This item continues to harm my report without evidence. I requested debt validation but received no response. 
XXXX XXXX XXXX XXXX Collection High Balance : {$1900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : No business relationship exists. This entry is wrong and unsubstantiated. 
Law Violated : FCRA 602 ( A ) Right to accurate and fair credit reporting.

Story : I was never notified of this collection nor received validation. It was suddenly reported, without documentation. 
XXXX XXXXXXXX XXXX XXXX XXXX Charge-Off High Balance : {$4700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : This account contains billing errors and overcharges, reported without final notice or breakdown. 
Law Violated : FDCPA 809 ; FCRA 623 Duty to report correct and verified information. 
Story : I disputed this account due to overbilling and lack of final bill. Still, TransUnion reports this as a charge-off without validation. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize this hard inquiry. 
Law Violated : FCRA 604 ( a ) ( 3 ) Requires permissible purpose for any inquiry. 
Story : I have not applied for credit with this company. This inquiry was done without my consent and should be removed. 
I have made several disputes with TransUnion regarding these accounts, addresses, and inquiries, and yet they continue to report unverifiable and harmful information on my credit file. This has caused me mental distress, loss of credit opportunities, and long-term harm to my financial well-being. 
I respectfully request that the CFPB investigate this matter thoroughly, direct TransUnion to provide full documentation or remove the disputed entries, and ensure that my rights under the FCRA and FDCPA are enforced. 
Thank you for your assistance in this matter.

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