Consumer complaint received 2025-07-08 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 knowingly and negligently reporting inaccurate, misleading, and unverifiable information on my credit report. These violations fall under multiple sections of the Fair Credit Reporting Act ( FCRA ), including 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 604, 605B, and related FDCPA provisions. TransUnion has reported wrong addresses, unauthorized inquiries, charge-offs, collections, and late payments that do not belong to me or were incorrectly handled. These errors have negatively impacted my life including denials of credit, housing, job opportunities, and caused emotional and financial distress. I request the CFPB investigate these violations and demand deletion or correction of all the following items : XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address has no connection to me whatsoever. I have never lived there nor conducted any business using this location. Its presence on my credit file is a violation of FCRA 607 ( b ) which requires CRAs to maintain accurate consumer files. This error has resulted in confusion during account verification and has triggered irrelevant alerts on my profile XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Wrong Address This is another address I have no connection to. It was never provided by me and may be the result of a mixed file. Under FCRA 605B, such identity-related errors should be immediately blocked once disputed. This address has created problems in verifying my identity during employment and loan applications XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXharge Off This account was under an active hardship arrangement. Reporting it as a charge-off contradicts the terms of the agreement and violates FCRA 623 ( a ) ( 1 ) ( A ). I was actively communicating with the creditor and trying to resolve the balance. This false report dropped my score and blocked me from getting a car refinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off I was on a payment schedule and never received charge-off notification. The account was closed prematurely and incorrectly reported. FCRA 611 and 623 mandate removal of unverifiable or false data. This charge-off denied me a secured credit card and caused financial setback XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX This late payment was caused by military allotment processing delays. I made payments on time, but the delay was on their system 's side. Reporting this against me violates FCRA 623 and punishes me for a system error I could not control. It has lowered my score during critical financial planning XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXharge Off I was granted a COVID hardship deferment, yet the creditor reported this account as a charge-off. This is both deceptive and a violation of FCRA 607 ( b ). It ignores federally acknowledged hardship accommodations. I was denied a personal loan because of this XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off This account is under dispute due to unfair lending practices. Despite ongoing investigation, it was marked as charged-off, violating FCRA 623 ( b ) and FDCPA 807 ( 8 ). This entry is misleading, unverified, and harming my credit history XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off I was under a payment agreement. Despite making payments, the creditor marked this as a charge-off. FCRA 623 ( a ) ( XXXX ) requires updates of corrected information, which they failed to do. This has caused me to be viewed as a high-risk borrower XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off I never opened this account. It is either fraudulent or a case of file mixing. Under FCRA 605B, this must be blocked as it likely resulted from identity theft. I have no knowledge or connection to this account and want it removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off I contacted this lender about financial hardship and was assured accommodation. Yet they still charged off my account. This violates FCRA 623 ( a ) ( 1 ) ( A ). It severely damaged my credit and has blocked me from qualifying for rental housing XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The account was in active dispute when the late payment was reported. Under FCRA 611, furnishers are prohibited from reporting negative info during dispute periods. This caused my score to drop unfairly while I was following legal procedures XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Late Payment I was on autopay, and the delay in their system led to a false late mark. I disputed this, but it remains. FCRA XXXX requires furnishers to correct inaccurate data. This reporting has made it nearly impossible to refinance my existing loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Payment I notified the creditor of my financial hardship and requested assistance. They ignored it and reported me late, violating both FCRA 623 and the Equal Credit Opportunity Act. This entry has affected my eligibility for public housing support XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXharge Off This account was resolved via tax refund offset. Reporting it as charged-off suggests its still unpaid, which is untrue. This violates FCRA XXXX and federal student loan reporting guidelines. This misinformation is damaging my federal aid eligibility XXXX XXXX XXXX XXXX XXXX XXXXollection I requested debt validation under FDCPA 809 ( b ), but never received it. Reporting this unvalidated debt violates FDCPA and FCRA 623. This false collection is lowering my credit score and affecting my reputation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXollection This appears to be a duplicate collection or an account that was already resolved. Reporting such misleading data violates FCRA 623. I am being penalized twice for the same account which is both unfair and unlawful XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection I never received notice of this debt, and I do not recognize it. This could be identity theft or a reporting mistake. Under FCRA 611 and 605B, this should be investigated and removed. Its presence has blocked me from renting an apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection I disputed this debt and requested verification, but none was provided. FCRA 623 ( b ) and FDCPA 809 require removal of unverified debt. Yet TransUnion continues to report it, further damaging my credit reputation XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. Under FCRA XXXX ( a ) ( XXXX ), a hard inquiry requires permissible purpose. This was done without my consent and lowered my XXXX XXXX unfairly XXXX XXXX XXXX XX/XX/XXXX This is an unauthorized hard pull. I did not apply for credit with XXXX XXXX on this date. This violates FCRA 604 and 615. This inquiry harmed my score and was a privacy breach I am requesting the CFPB investigate TransUnions repeated failure to maintain accurate, fair, and verified credit reporting in accordance with federal law. These inaccuracies continue to harm me financially, emotionally, and professionally. I request removal or correction of each item listed and that TransUnion be held accountable for negligent and willful violation of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief