Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
I am submitting this complaint because my TransUnion credit report contains multiple inaccurate and unverifiable entries that have negatively affected my credit profile and financial opportunities. I previously submitted disputes to TransUnion, but they failed to take appropriate action, and these items remain on my report despite the lack of verification or legal compliance. 

First, there are XXXX addresses being reported that are completely inaccurate and have never been associated with me at any point in time. The addresses XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX, XXXX, SC XXXX are incorrect and should not be on my file. I have never lived at these locations, nor have I ever used them for any credit-related activity. Their inclusion violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. I believe their presence is either due to a mixed file or erroneous matching, and TransUnion has failed to correct them even after being notified. 

Additionally, the account XXXX XXXX XXXX  ( Account ending in XXXX XXXX XXXX XXXX XXXX ), which reports a balance of {$240000.00} and was opened on XX/XX/XXXX, is inaccurately showing a late payment. I dispute this because I have consistently paid this obligation on time and have not received any notices of delinquency. TransUnion has not provided any documents validating this late payment, which violates FCRA 611 ( a ). If they can not verify this information with documented proof from the furnisher, they are obligated to delete the derogatory entry. 

The next issue involves XXXX XXXX XXXX  XXXX Account ending in XXXXXXXX XXXX XXXX XXXX ), which reports a {$0.00} balance yet still shows a late payment from an earlier time. This is misleading and harmful to my creditworthiness, especially since the account is closed and settled. There is no justifiable reason to continue reporting derogatory information when no balance exists. The continued inclusion of this negative history violates the principle of fair and accurate reporting under FCRA 607 ( b ) and FDCPA 807. 

The XXXX XXXX account ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which reports a charge-off with a balance of {$2400.00}, is also disputed. I was not properly notified of the charge-off status and was never given the opportunity to bring the account current or settle. The creditor and TransUnion have failed to provide the necessary documentation or proof of such notice, which they are required to under FACTA 312. Reporting this charge-off without validation not only damages my credit but violates the consumers right to receive fair notice and a chance to remedy the situation. 

I also dispute a late payment on the XXXX XXXX account ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which shows a {$0.00} balance and was opened on XX/XX/XXXX. I was never informed of any late payments, nor have I received any communications regarding this delinquency. With the account now closed and no balance due, there is no lawful or factual basis to report it negatively. Under FCRA 607 ( b ) and 611 ( a ), TransUnion must ensure the accuracy of reported data and must delete unverifiable or outdated information. 

Lastly, XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/XXXX with a balance of {$29000.00}, is also reporting a late payment that I dispute. I have no record or recollection of being late, and I have received no billing statements indicating missed payments. TransUnion has not provided me with sufficient proof to validate this information, nor have they conducted a thorough reinvestigation. As per FCRA 611 ( a ), failure to verify must result in deletion. Reporting unverifiable negative data without documentary evidence is a direct violation of FCRA 1681e ( b ). 

Despite my attempts to resolve these disputes directly with TransUnion, they have not provided validation, nor have they corrected or removed these harmful and inaccurate entries. This shows a pattern of neglecting their duty to maintain accurate files and violates my rights under federal credit reporting laws. I am requesting that the CFPB step in to ensure a full and fair reinvestigation, that each disputed item be properly validated or deleted, and that updated credit reports be issued. 

What would be a fair resolution to this issue? 
I am requesting that TransUnion immediately delete or correct the inaccurate and unverifiable addresses and account entries listed above. If documentation can not be provided to support each entry, it must be removed as required by law. I also request that TransUnion send me an updated copy of my credit report and that they confirm the completion of their reinvestigation. If no action is taken, I intend to escalate this complaint further and seek legal counsel for damages under FCRA 616 and 617.

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 explanation