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: TN

Complaint narrative:
To Whom It May Concern, I am filing this complaint because TransUnion has repeatedly failed to ensure the accuracy and completeness of the information it is reporting about me, despite being notified previously. This is now my second attempt to dispute this information. My FTC Identity Theft Report has not yet been submitted, but I have an open CFPB complaint in progress. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) particularly Sections 602 ( A ), 604, 605 ( b ), 607 ( b ), 609 ( a ), 611, and 623 and demanding immediate correction or deletion of the following inaccurate and unverifiable data on my TransUnion credit report. 
XXXX XXXX XXXX XXXX, XXXX, TN XXXX Wrong Address This address is not connected to me in any way. I have never lived at, used, or been affiliated with this address. Its presence on my report suggests either mixed file reporting, identity confusion, or negligent data matching by TransUnion. As per FCRA 607 ( b ), the credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy. Continuing to report this unverifiable address is a violation of federal law. 
XXXX XXXX XXXX, XXXX, TN XXXX Wrong Address I do not recognize this address and have never resided or used it in any official capacity. This entry is erroneous and possibly due to data contamination. As per FCRA 609 ( a ), I have the right to know the sources of information, and unless this address can be fully verified with legitimate documentation, it must be removed immediately under FCRA 611 and 602 ( A ) which emphasize the consumers right to fair and accurate reporting. 
XXXX XXXX XXXX Acct : XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$560.00} Late Payment * * This account is reporting inaccurate late payments, which I dispute. I have made payments in accordance with the contract terms, and any negative reporting is either misreported or caused by a system error. TransUnion has failed to validate this information with proper records from the original creditor. This violates FCRA 611 ( reinvestigation obligations ), 607 ( b ) ( accuracy ), and 623 ( a ) ( 1 ) ( A ) which prohibits furnishing information known to be inaccurate. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$280.00} Late Payment * * I have consistently paid this account on time, yet TransUnion continues to show late payments. I have not received any documentation to substantiate these derogatory marks. This violates FCRA 623 ( b ) and 609 ( a ) ( XXXX ), and is a direct attack on my creditworthiness based on unverified data. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$18000.00} Late Payment * * The late payments reported here are inaccurate and unverified. I requested full documentation to substantiate these claims, which TransUnion has failed to provide. According to FCRA 611, a proper reinvestigation must be conducted and results provided. This was not done in a reasonable or timely manner. Continued reporting without verification violates 607 ( b ) and 623 ( a ) ( 1 ). 
XXXX Acct : XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$8200.00} Late Payment * * This is a federal student loan which was under forbearance during multiple periods. The late payment history is inconsistent with Department of Education records. Reporting these as late despite documentation and program protections violates FCRA 623 and the CARES Act protections for federal student loans during specific hardship periods. TransUnion has failed to apply appropriate updates under 623 ( a ) ( XXXX ). 
XXXX XXXX Acct : XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$20000.00} Late Payment * * This account reflects unverified late payments, and TransUnion has failed to provide a response showing when and how these payments were missed. No proof has been offered, and their continued reporting is damaging my financial opportunities. This is a violation of FCRA 611 and 607 ( b ). 
XXXX XXXX Acct : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$970.00} Late Payment * * I was never notified of any delinquency, and TransUnion has failed to verify these late marks with original billing statements. They are violating FCRA 611 by failing to respond to my earlier dispute adequately and 623 ( a ) ( XXXX ) ( D ) by reporting inaccurate data. 
XXXX Acct : XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$7500.00} Collection * * This account is listed as a collection, but I was never notified, never validated the debt, and never communicated with any collector. Reporting a collection without proper validation is a direct violation of FCRA 809 of the FDCPA and FCRA 611, which mandates accuracy and reinvestigation. This debt is not mine or is inaccurately reported. 
XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$1600.00} Collection * I do not recognize this account. TransUnion has failed to provide any verification or original creditor information, which is a violation of FCRA XXXX ( a ) ( XXXX ). Continuing to report a debt that is not mine or was never validated violates 607 ( b ) and 623 ( a ) ( 3 ). 
XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$3300.00} Collection * * This is a recent entry that appeared without any notice or validation. I have never received any collection notice and dispute the entire legitimacy of this item. Reporting this violates both the FDCPA and FCRA 623 ( b ) because it lacks proper documentation, fails to follow dispute procedures, and damages my credit unjustly. 
I am requesting that TransUnion immediately delete or correct all inaccurate, unverifiable, and unauthorized accounts, addresses, and collections listed above. I am also requesting an official statement confirming that these items have been removed or corrected, as required by law. I reserve the right to escalate this matter with the FTC, Attorney Generals Office, and other legal channels if TransUnion continues to ignore its legal obligations under the Fair Credit Reporting Act.

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