Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Officer, I am filing this formal complaint against TransUnion LLC for their continued failure to remove inaccurate and unverifiable information from my credit report, despite my prior dispute in accordance with the Fair Credit Reporting Act ( FCRA ). I am now in the second round of disputes, and TransUnion continues to report false and misleading information that is negatively affecting my creditworthiness.

Summary of Non-Compliance : I submitted a reinvestigation request to TransUnion regarding several accounts and personal identifiers that do not belong to me or are being reported inaccurately. They failed to conduct a reasonable investigation as required by FCRA 1681i, and I was not provided with sufficient evidence that these items are verifiable or accurate. 

Items in Dispute : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Issue : Wrong Address I have never lived at this location.

Violation : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of consumer report information. 

XXXX XXXX XXXX, XXXX, GA, XXXX Issue : Wrong Address Not affiliated with me in any way. 
Violation : FCRA 1681e ( b ) Reporting false address affects identification and lending decisions. 

XXXX XXXX Account # XXXX Issue : Charge-Off account not validated or supported with original documents. 
Violation : FCRA 1681i Failure to verify or delete unconfirmed account.

Details : This debt has not been validated with a signed agreement or billing history. I never received documentation from XXXX XXXX or the original creditor. The continued reporting of this unverifiable charge-off is a legal violation. 

XXXX Account # XXXX Issue : Collection account with no debt verification provided.

Violation : FDCPA 809 ( b ) & FCRA 1681i Reporting collections without proper verification or notice.

Details : I was never informed of this debt nor given an opportunity to dispute or verify it before it appeared on my credit file. I have requested validation, but no response or proof has been received. 

XXXX XXXX XXXX Account # XXXX Issue : Collection listed without any prior notice or validation.

Violation : FDCPA 809 ( b ) Failure to notify consumer and allow for validation before reporting.

Details : This collection suddenly appeared on my credit report without any communication. I have not received any statement, letter, or debt validation notice from the collector.

Resolution Requested : Immediate deletion of the above-mentioned inaccurate addresses and accounts from my TransUnion credit report.

Written confirmation that each item has been removed or proper evidence has been provided ( original contract, billing statements, etc. ). 

Investigation into TransUnions reinvestigation procedures for compliance with FCRA guidelines.

TransUnions failure to respond adequately or comply with federal consumer protection laws has caused undue harm to my credit score, financial reputation, and ability to obtain fair lending. I am requesting the CFPB to intervene and ensure that TransUnion fulfills its legal obligations and removes any information that can not be verified. 

Thank you for your attention and assistance in resolving 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