Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear CFPB Officer, I am filing this complaint against TransUnion for reporting multiple inaccurate, misleading, and unverifiable accounts and wrong addresses on my credit file. These erroneous entries are causing substantial harm to my creditworthiness and financial stability. Despite my prior efforts to dispute and resolve these inaccuracies directly with TransUnion, they have failed to conduct a proper reinvestigation or provide evidence to justify the continued reporting of these disputed items. 
Wrong/Unauthorized Addresses Reported TransUnion is reporting the following addresses which are completely inaccurate and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX LA XXXX XXXX Address These addresses are not mine, nor have I ever lived or conducted business at these locations. Reporting these incorrect addresses violates 15 U.S. Code 1681e ( b ) which requires consumer reporting agencies to maintain maximum possible accuracy. 
Disputed and Harmful Accounts Reported XXXX. XXXX Acct # : XXXX * High Balance : {$2400.00} Date Opened : XX/XX/XXXX Status : Collection This account is inaccurately reported as a collection. No proper validation or supporting documentation has been provided despite my disputes. This is a violation of : 15 U.S. Code 1681i ( a ) Failure to reinvestigate disputed information 15 U.S. Code 1681e ( b ) Failure to ensure accuracy 15 U.S. Code 1692g ( b ) Failure to validate debt ( under FDCPA, if debt collector is involved ) XXXX XXXX XXXX XXXX Acct # : XXXX High Balance : {$140.00} Date Opened : XX/XX/XXXX Status : Collection This account does not belong to me. It may be the result of identity theft or a merged file. TransUnion has refused to remove or investigate it properly. This is again in violation of : 15 U.S. Code 1681i ( a ) Failure to investigate disputed accounts 15 U.S. Code 1681b Impermissible use of my information 15 U.S. Code 1692e ( 8 ) Reporting false credit information XXXX. XXXX Acct # : XXXX * High Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Charge-Off This account is being reported inaccurately as a charge-off. I requested verification of this debt but received no response or validation. Under the law, TransUnion is obligated to remove unverifiable or inaccurate accounts. Violations include : 15 U.S. Code 1681i ( a ) Inadequate reinvestigation 15 U.S. Code 1681e ( b ) Failure to report accurately Fair Debt Collection Practices Act ( FDCPA ) if third-party debt collectors are reporting or involved.

Legal Violations and Harm Suffered TransUnions ongoing failure to correct these inaccuracies after multiple disputes constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). These errors are damaging my ability to obtain credit, housing, and employment opportunities.

15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1681g Right to full disclosure 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate disputes Resolution Requested I respectfully request that the CFPB take action and hold TransUnion accountable by requiring : 1. Immediate removal of the wrong addresses.

2. A full and documented reinvestigation of the listed accounts.

3. Deletion of any unverifiable or inaccurate items from my credit report.

4. A full copy of my corrected credit file once these updates are completed.

I am also keeping this matter open with the FTC, and I reserve the right to pursue additional legal remedies should TransUnion continue these harmful reporting practices. 
Thank you for your time and 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