Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am filing this formal complaint against TransUnion for continuously reporting inaccurate and unverifiable information on my credit report despite multiple disputes. The following are the detailed issues related to addresses, accounts, and reporting violations which are harming my credit standing, financial opportunities, and personal reputation. TransUnion has failed to fulfill its duties under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), 1681e ( b ) ( Maximum Possible Accuracy ), and other relevant laws. Please investigate and take immediate corrective action. 
Wrong Address : XXXX XXXX XXXX XXXX, TX XXXX This address is completely incorrect and does not belong to me. I have never lived at or been associated with this location. Its continued appearance on my credit file is a violation of FCRA Section 1681e ( b ), which mandates credit bureaus to maintain accurate records. Allowing unverifiable addresses to remain creates confusion and may falsely associate me with accounts or identities that are not mine. I have submitted prior disputes, yet TransUnion continues to keep this inaccurate address on file. 
XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$730.00} Issue : Late Payment * * This account reflects inaccurate late payments that I have already disputed. The reporting does not match my records and has not been verified with any legitimate proof. Under FCRA 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation and delete information that can not be verified. Additionally, under 623 ( a ) ( 5 ), the furnisher must provide accurate and complete information. Despite this, the late payment still appears, damaging my credit. 
XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2600.00} Issue : Late Payment * * XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2600.00} Issue : Late Payment * * XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$620.00} Issue : Late Payment * * XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2000.00} Issue : Late Payment * * XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1600.00} Issue : Late Payment * * XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$870.00} Issue : Late Payment * * XXXX Account # : XXXX * * Date Opened : XX/XX/XXXX High Balance : {$2800.00} Issue : Late Payment * * XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3800.00} Issue : Late Payment * * These entries are excessive and redundant, and many reflect duplicate reporting or unverifiable information. I believe some of these entries may have been re-aged or reported in a misleading manner, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681c ( a ) ( 4 ). These accounts are also past the 7-year reporting period allowed by law and should not be appearing on my credit report anymore under FCRA 1681c ( a ). XXXX has failed to provide adequate documentation supporting these lates. TransUnion also failed to properly verify them despite multiple disputes. 
Unknown Account Account # : XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1800.00} Issue : Collection * * I have no knowledge of this account and have never received any communication or validation for this debt. It is likely a case of identity theft or misreporting. Reporting this account without verifying ownership and accuracy violates both FCRA 1681b and FDCPA 809 ( a ), which mandates that the debt must be validated before reporting. TransUnion is liable for reporting unverified collections and ignoring my right to dispute under 1681i. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$17000.00} Issue : Late Payment * * This auto loan account has multiple inaccurate late payments which were reported during COVID-19 hardship when I was under a forbearance or deferred status. This directly violates the CARES Act, Section 4021, which amended the FCRA and prohibits negative credit reporting during forbearance agreements due to the pandemic. Reporting this account with lates during protected periods is harmful, misleading, and unlawful.

TransUnion has repeatedly ignored its legal obligations under FCRA to maintain accurate, complete, and verified information. I have exercised my right to dispute under 1681i ( a ), and TransUnion has either failed to investigate or conducted inadequate reinvestigations without providing a description of the procedure used. This has severely harmed my creditworthiness and subjected me to unfair denial of credit and higher interest rates. 
I request immediate action by CFPB to enforce my rights. I am requesting the following : Removal of the incorrect address : XXXX XXXX XXXX XXXX, TX XXXX Removal or correction of all the listed accounts that are either inaccurate, unverifiable, re-aged, or improperly reported Full investigation and documentation under FCRA 1681i Penalties against TransUnion for continued negligence, harm, and non-compliance Please hold TransUnion accountable and ensure these errors are corrected immediately.

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