Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
I am filing this formal complaint against TransUnion for failure to maintain accurate and verifiable information on my consumer credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite prior disputes, TransUnion has continued to report inaccurate personal information and derogatory accounts without conducting a reasonable investigation. The continued reporting of false and unverifiable data is causing me substantial harm. The details of the dispute are as follows : XXXX XXXX XXXX XXXX  XXXX Wrong Address Issue : This address is incorrect and does not belong to me. I have never lived at this location, nor do I have any known association with it.

Law : Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information
. TransUnions failure to remove or verify this address after dispute is a direct violation of this section. 
Story : I have sent multiple disputes requesting validation and removal of this address, but TransUnion continues to report it, causing my credit file to be linked with accounts and information that are not mine. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address Issue : I have no known connection to this address and have never resided at or used this location. It is a serious error that affects the integrity of my entire credit report.

Law : FCRA 1681i mandates that a credi
t bureau must conduct a reinvestigation when a consumer disputes the accuracy of information. TransUnions continued reporting without validation is noncompliance.

Story : This wrong address has remained on my file and has contributed to misattributed accounts, inquiries, and possibly identity confusion. TransUnion 's negligence is damaging my credit reputation and financial opportunities. 
XXXXXXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX | High Balance : {$1400.00} Issue : This account has been inaccurately reported as a charge-off. I have previously requested validation and investigation, which has not been reasonably addressed.

Law : Under FCRA 1681s-2 ( b ), furnishers of information are required to investigate disputes forwarded by the credit bureaus. TransUnion has failed to ensure this obligation was met by XXXX. 
Story : This XXXX account was disputed due to inconsistencies in billing, lack of notification, and an improper charge-off designation. TransUnion has failed to verify the legitimacy or provide documentation, violating my consumer rights. This inaccurate derogatory mark continues to severely harm my creditworthiness. 
XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX | High Balance : {$310.00} Issue : This account shows late payments that are inaccurate. I have provided documentation indicating timely payments, yet TransUnion has not corrected the record.

Law : FCRA 1681e ( b ) again applies here, requiring credit bureaus to report only accurate and verifiable information.

Story : The continued listing of false late payments is misleading to lenders and impacts my credit scores. Despite formal disputes and proof submitted, TransUnion has neither removed nor corrected the derogatory entries. This demonstrates a reckless disregard for accuracy and consumer rights. 
XXXX XXXX XXXXXXXX XXXX Late Payment Date Opened : XX/XX/XXXX | High Balance : {$27000.00} Issue : Late payments listed on this account are not accurate and were never verified with appropriate documentation.

Law : FCRA 1681i ( a ) requires CRAs to reinvestigate disputed information and delete unverifiable data. TransUnion has ignored this legal duty. 
Story : I requested complete payment records from XXXX XXXX to verify these claims, but neither the furnisher nor TransUnion has provided evidence. TransUnion 's refusal to remove or correct these unverified derogatory marks is a gross failure of compliance and a violation of my consumer protection rights. 
I respectfully request the CFPB to initiate a full investigation into TransUnion 's failure to comply with the FCRA. These inaccuracies are affecting my ability to obtain credit, secure housing, and pursue financial stability. I demand that TransUnion be instructed to conduct proper reinvestigations, remove unverifiable information, and cease the reporting of inaccurate data.

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