Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled my credit report and I have unverified addresses and names that are listed to my account! My only verified name and address and phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Delete immediately all other unverified information and accounts that are not associated with that address. I have made multiple attempts and no responses! To Whom It May Concern, I am formally disputing the accuracy and continued reporting of certain accounts on my consumer report. Under Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), any information that exceeds the allowable reporting period is considered obsolete and must be removed immediately. It has come to my attention that accounts are being reported beyond the legally permitted timeframe, as defined by Section 605 and clarified under Section 605 ( c ), which establishes that the reporting period begins from the date of first delinquency ( DOFD ) not the date the account was transferred or sold to a third party. Additionally, I am disputing any accounts associated with incorrect names, addresses, or identifying information that do not belong to me. My only verified and accurate address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Any other addresses or personally identifying information that do not match this record must be immediately removed, as they are inaccurate and violate my rights under the Fair Credit Reporting Act. Furthermore, I have made multiple prior disputes regarding these inaccuracies. Your continued reporting of unverifiable and obsolete information constitutes negligent and/or willful noncompliance under 15 U.S.C. 1681n and 1681o, which provides me the right to pursue legal remedies. I am writing to demand an immediate resolution regarding the alleged rental collection account currently being reported under my name. It has now been well beyond the appropriate timeframes established under federal law, and I have yet to receive proper validation, resolution, or cooperationdespite my repeated good-faith efforts over the past XXXX years to make payment on this account, which were refused. This ongoing failure to resolve the matter is now directly preventing me from securing stable housing for my son and myself, causing significant and ongoing harm. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I have the legal right to accurate reporting, timely investigation, and freedom from unfair or obstructive collection practices. Your refusal to accept payment, combined with continued negative reporting, constitutes behavior that may be considered inaccurate, misleading, and unfair. Additionally, your failure to properly investigate and resolve this matter within the required timeframes places you in potential violation of : 15 U.S.C. 1681s-2 ( b ) y duty to investigate disputed information 15 U.S.C. 1692f prohibition of unfair collection practices 15 U.S.C. 1692e prohibition of misleading representations 15 U.S.C. 1681n and 1681o liability for willful or negligent noncompliance The company has not removed anything immediately and I want it gone asap! My identity and comfort is being compromised! I am formally escalating my complaint against TransUnion, XXXX, and XXXX due to their failure to respond, investigate, and correct inaccurate information within a reasonable timeframe. I submitted a formal dispute regarding inaccurate and unverified information on my credit report. It has now been several days with no acknowledgment, no verification, and no evidence of a reasonable reinvestigation being conducted. This is a direct violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires a reasonable reinvestigation of disputed items 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy in reporting 15 U.S.C. 1681c-2 Requires blocking of information resulting from identity theft within 4 business days when properly notified 15 U.S.C. 1681n and 1681o Establish liability for willful and negligent noncompliance Additionally, the continued reporting of inaccurate, inconsistent, or unverifiable data is a violation of Metro 2 reporting standards, which require furnishers and credit bureaus to maintain complete, accurate, and consistent data across all fields. Any discrepancies in account status, payment history, balances, or personal identifying information indicate the data is unreliable and must be removed. I am also raising concerns regarding the handling of my personal data in light of prior data breaches involving credit reporting agencies, which further calls into question the integrity and accuracy of the information being reported under my name.

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