Consumer complaint received 2025-07-21 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:
To Whom May I Concern According to the Fair Credit Reporting Act ( FCRA ) Section 602 ( A ), 15 U.S.C. 1681, credit reporting agencies are mandated to maintain maximum possible accuracy of the information reported. Yet, despite my previous dispute, the following inaccurate data remains on my report. I am once again demanding immediate investigation and removal of the erroneous entries listed below.

Incorrect Addresses ( Never Lived or Associated ) : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX This is not my residence and is being falsely reported. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX I have never resided at this address. 
Issue : These addresses are completely unfamiliar and must be deleted. Reporting inaccurate personal data is a violation of FCRA 607 ( b ) and poses a risk of identity confusion or fraud.

Disputed Accounts : XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Issue : This account is outdated and inaccurately reported as a charge-off despite prior resolution attempts. No documentation has been provided to verify its accuracy as required under FCRA 611. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3400.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Issue : I never received proper validation or billing on this account. Continued reporting without validation violates 15 U.S.C. 1692g and FCRA 609 ( a ). 
XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX High Balance : {$4500.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Issue : This account contains inconsistent and unverifiable details. I requested validation which was never fulfilled. Reporting unverifiable debt is a violation of FCRA 611. 
XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$480.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Issue : This charge-off is duplicative of a closed/settled account. It is misleading and damaging under FCRA 605 ( b ). 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$440.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : I dispute the late payment history ; no supporting billing records or contract have been provided to substantiate this delinquency under FCRA 609 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$5300.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Issue : I was not properly notified of any default or delinquency, and no itemized statement has been issued. This violates 15 U.S.C. 1681s-2 ( b ). 
XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : The reported late payment history is false. I never missed a payment. Continued inclusion without evidence breaches FCRA 607 ( a ). 
XXXX. U.S. Bankruptcy Court Reference # XXXX Closing Date : XX/XX/XXXX | Status : Bankruptcy Issue : This bankruptcy is being misrepresented or outdated and should not be reported after the 7-year period under FCRA 605 ( a ) ( 1 ) if it's been resolved. 
Final Demand : As per FCRA 611 and 609, I am demanding that TransUnion : 1. Remove all incorrect addresses listed above.

2. Delete or correct all disputed accounts if verifiable documentation is not produced within 30 days.

3. Send me a corrected copy of my credit report once the investigation is complete.

If this matter is not fully resolved within the legally allotted time, I will take additional action by submitting complaints to the FTC, updating my CFPB case, and pursuing legal remedies for damages under FCRA 616 and 617.

Thank you for your attention to 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