Consumer complaint received 2025-07-02 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: MI

Complaint narrative:
I am filing this formal complaint against TransUnion for failing to maintain accurate, complete, and verifiable information on my consumer credit file. I have made multiple attempts to resolve these disputes directly with TransUnion, but to date, they have failed to properly investigate and correct these errors in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. My credit report contains multiple inaccuracies including accounts with false or outdated derogatory remarks, multiple charge-offs, and personal information errors, which are causing me significant financial harm, mental distress, and reputational damage. 
XXXX. XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charge-off Issue : This account is being reported as a charge-off despite showing a balance of {$0.00}. The account is settled and no longer delinquent, yet TransUnion continues to report it negatively. This creates a misleading impression to creditors. 
Violation : Reporting inaccurate information violates FCRA 1681e ( b ), which mandates that credit reporting agencies must maintain maximum possible accuracy of consumer reports. It also violates FCRA 1681i, which requires proper reinvestigation of disputed information.

Remedy Requested : Immediate deletion or update of this account to show accurate payment status with no derogatory mark since the account has {$0.00} balance. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6100.00} Status : Charge-off Issue : This account is inaccurately reported as a charge-off with an inflated balance. Furthermore, I was not properly notified of this status before it was marked as charged-off. I believe this violates my consumer rights.

Violation : Failure to ensure accurate reporting violates FCRA 1681e ( b ). Failure to properly investigate my previous disputes with adequate verification also violates FCRA 1681i ( a ) ( 1 ) ( A ). Also, under 15 U.S. Code 1681s-2 ( b ), furnishers are required to correct and update information if it is found to be incomplete or inaccurate.

Remedy Requested : Remove or fully validate the alleged balance and derogatory charge-off status. If proper documentation and verification can not be provided, this tradeline must be deleted. 
INCORRECT ADDRESSES REPORTED ON MY TRANSUNION CREDIT FILE XXXX. XXXX XXXX XXXX TX XXXX Issue : I have never lived at or used this address for any application or account. Its presence on my credit report constitutes a severe inaccuracy. 
Violation : Under FCRA 1681e ( b ), TransUnion must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Remedy Requested : Permanent deletion of this address from my file. 
XXXX. XXXX XXXX XXXX XXXX TX XXXX Issue : Unknown address. Possibly reported due to mixed file or identity confusion. 
Violation : TransUnion has violated FCRA XXXX ( Block of information resulting from identity theft or misassociation ). 
Remedy Requested : Block and delete this inaccurate address immediately. 
XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX TX XXXX Issue : I have never resided at this location. Presence of this address suggests identity mix-up or file contamination.

Violation : TransUnion failed to maintain procedures that prevent co-mingling of files, which violates FCRA 1681e ( b ).

Remedy Requested : Immediate removal and revalidation of all addresses. 
XXXX. XXXX XXXX XXXX XXXX XXXX TX XXXX Issue : Completely incorrect, unknown address. I have already disputed this multiple times but it remains. 
Violation : Failure to correct false personal identifying information after repeated disputes violates FCRA 1681i ( a ).

Remedy Requested : Immediate deletion and reinvestigation. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, TN XXXX Issue : Never affiliated with this address in any way. Including it damages my profile. 
Violation : Same as aboveFCRA 1681e ( b ) and 1681i.

Remedy Requested : Remove from all records and notify data furnishers. 
XXXX. XXXX XXXX XXXX, XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX. XXXX XXXX XXXX, XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Issue : All the above addresses are false and unknown to me. These incorrect entries likely stem from errors in associating third-party or public records or from an inaccurate third-party furnishing. 
Violation : Each entry constitutes a violation of FCRA 1681e ( b ) and FCRA 1681c-2 due to the potential for identity confusion or data contamination.

Remedy Requested : Remove each listed address and correct all records tied to them.

OVERALL COMPLAINT SUMMARY AND DEMAND TransUnions continued failure to maintain accurate information has resulted in a misleading credit file that is damaging my financial integrity and preventing me from obtaining credit opportunities. These false charge-offs and wrong addresses misrepresent my identity and creditworthiness. TransUnion has violated several provisions of the Fair Credit Reporting Act, including but not limited to : 15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S. Code 1681i Failure to reinvestigate disputes properly and promptly 15 U.S. Code 1681s-2 ( b ) Failure of data furnishers to correct inaccurate or incomplete information 15 U.S. Code 1681c-2 Failure to block and remove information resulting from identity confusion or false association I respectfully request the CFPB to investigate TransUnions noncompliance with FCRA, hold them accountable, and compel immediate correction or removal of all inaccurate accounts, addresses, and personal identifiers from my report. I am also requesting a complete and detailed reinvestigation of each disputed item.

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