Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint against TransUnion for failure to maintain reasonable procedures to assure maximum possible accuracy on my credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ). Despite multiple efforts to correct the information, TransUnion continues to report inaccurate, outdated, and unverifiable information on my file. Below are the specific accounts and issues : Wrong Addresses ( Violation of FCRA 1681e ( b ) ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not mine and should be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is also incorrect and unrelated to me These addresses are false and indicate TransUnion is mixing my file with another consumer, a clear violation of 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
Account : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$2700.00} | Status : Charge Off This account is reporting as charged off but I have no verifiable documentation or communication from the furnisher verifying this charge-off. This account has been disputed but continues to appear without proper investigation as required under FCRA 1681i ( a ) ( 1 ) ( A ).

Violation : FCRA 1681i ( failure to reinvestigate properly ), 1681e ( b ) ( inaccurate reporting ) Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$1500.00} | Status : Late Payment This account shows late payment inaccurately. I requested proof of delinquency or billing statements showing actual default which was not provided. The account remains unverifiable and misleading. 
Violation : FCRA 1681e ( b ), 1681i ( a ) Account : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$3200.00} | Status : Charge Off This tradeline reports a charge off status without any validation or response to my dispute. The charge-off entry is damaging and false. 
Violation : FCRA 1681s-2 ( b ), 1681e ( b ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$27000.00} | Status : Charge Off This account was disputed under FCRA but XXXX reinvestigation was conducted. I was never served notice of charge-off or given the opportunity to resolve the alleged debt.

Violation : FCRA 1681i ( a ), 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) Hard Inquiries ( Unauthorized and Unverified - Violation of FCRA 1681b ) XXXX XXXX XXXX XXXX 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 permissible purpose under FCRA 1681b . I did not authorize these creditors to access my report, and they must be removed immediately. TransUnion failed to ensure that these inquiries were lawful and permissible before posting them on my credit profile.

Violation : FCRA 1681b ( f ), 1681e ( a ), 1681e ( b ) I have exhausted all reasonable means to resolve these inaccuracies directly with TransUnion. I submitted disputes and supporting documentation, but TransUnion failed to conduct a reasonable reinvestigation as mandated by FCRA 1681i. These errors have caused me significant harm including denial of credit, higher interest rates, and emotional distress. I am requesting immediate intervention by the Consumer Financial Protection Bureau to enforce compliance and hold TransUnion accountable. 
Requested Resolution : Permanent removal of all inaccurate addresses Deletion or proper validation of all disputed tradelines Removal of all unauthorized inquiries Civil liability for willful and negligent noncompliance under FCRA 1681n and 1681o

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