Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of Birth : XX/XX/XXXX Last Four of SSN : XXXX Telephone : XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Complaint & Demand for Immediate Correction of Inaccurate Credit Reporting To Whom It May Concern : I am writing to file a formal complaint and to demand the immediate correction of multiple serious inaccuracies in my TransUnion credit report. I have repeatedly provided documentation to your representatives and managers ; however, the issues remain unresolved.

1. Incorrect Addresses Reported TransUnion continues to list multiple addresses I have never lived at, including : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .. ZIP code in a state I have never resided in I have submitted valid proof of my correct address multiple times, and two TransUnion managers confirmed directly to me that the documents were received.

However, during a call today, I spoke with yet another TransUnion representative who claimed that no documentation has been received regarding my proof of address. This is contradictory to what your managers told me and demonstrates a serious failure in your internal handling of consumer documents and reinvestigations.

My correct and only address is : XXXX XXXX XXXX XXXX, XXXX, NC XXXX I demand that all false and inaccurate addresses be deleted immediately. 

2. Bankruptcy Reporting Errors I have repeatedly provided official documentation showing that my bankruptcy was : Discharged XX/XX/XXXX Closed XX/XX/XXXX Closed by the North Carolina Bankruptcy Court Not involving any repayment plan Two managers at TransUnion previously confirmed that my bankruptcy documents were received.

However, during my most recent call, the representative stated that TransUnion never received the bankruptcy discharge paperwork. This directly contradicts what I was told before and shows mishandling of my sensitive documents.

Despite having the correct documentation, TransUnion continues to falsely report that I am on a repayment plan and owe balances on accounts that were fully discharged. This is false, harmful, and a violation of the FCRAs accuracy requirements.

For clarity : I owe nothing on the discharged accounts, and I am not on a repayment plan.

FCRA Notice & Demand Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to : Conduct a proper and reasonable reinvestigation Correct or delete inaccurate or unverifiable information Accurately maintain and document consumer submissions This has not been done.

I am demanding the following within 30 days : 1. Removal of all incorrect and fraudulent addresses 2. Correction of all bankruptcy information to reflect : Discharged XX/XX/XXXX Closed XX/XX/XXXX No repayment plan 3. Written confirmation mailed to my verified address 4. A complete updated copy of my corrected credit report Failure to Comply If TransUnion fails to correct these inaccuracies within the required timeframe, I will take the following actions : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the North Carolina Attorney General Pursue all legal rights and remedies available under federal law, including damages for negligent or willful noncompliance Documents Being Provided Again Proof of correct current address Bankruptcy discharge and closing documentation dated XX/XX/XXXX I expect this matter to be handled promptly, accurately, and in compliance with federal law. 

Sincerely, XXXX XXXX Telephone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last four ) : XXXX

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