Consumer complaint received 2025-07-04 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: NC

Complaint narrative:
I am filing this CFPB complaint against TransUnion for their continued failure to maintain accurate and verifiable information on my consumer credit report. Despite multiple disputes and attempts to resolve these issues directly with the bureau, the following inaccurate, unverifiable, and damaging items remain on my TransUnion credit report in violation of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 
Wrong Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Issue : This address is being falsely reported on my credit file by TransUnion. I have never resided at this address nor have I used it for any financial or personal purposes. Its presence is causing confusion, misrepresentation, and linking my credit profile to unknown data. 
Violation of Law : Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), TransUnion is obligated to maintain maximum possible accuracy in the information it includes in credit reports. Failing to remove a clearly incorrect address after my multiple disputes violates this federal responsibility.

Narrative : I am a victim of serious reporting errors that have impacted my credit reputation and exposed me to potential fraud risk. Despite prior disputes, TransUnion continues to report this false address, disregarding my identity verification documents. This ongoing negligence is putting my financial security at risk and causing me emotional distress. 
XXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$4700.00} Issue : This account reflects late payments, which are inaccurately reported. I have made all payments as agreed or was in an authorized deferment period.

Violation of Law : FCRA Section 623 ( a ) ( 1 ) ( A ) requires furnishers not to report inaccurate information. Additionally, 15 U.S.C. 1681i mandates TransUnion to conduct a reasonable reinvestigation when a dispute is filed.

Narrative : Despite submitting documentation showing my loans were in deferment or forbearance, TransUnion continues to list this account as late. This misinformation is harming my XXXX XXXX and limiting my financial opportunities. 
XXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3500.00} Issue : Late payment entries are incorrect as I was in a federally approved forbearance program during the periods in question. 
Violation of Law : 15 U.S.C. 1681e ( b ) requires credit bureaus to ensure accuracy. Reporting missed payments during approved forbearance directly violates this standard. 
Narrative : I repeatedly asked XXXX and TransUnion to validate and correct this, providing evidence of forbearance approval. TransUnions refusal to properly investigate violates my rights and continues to damage my credit reputation. 
XXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1900.00} Issue : This account has late payment notations that were never verified and are inaccurate. 
Violation of Law : FCRA Sections 611 and 623 require proper investigation and correction upon dispute.

Narrative : I have requested validation and provided proof, but TransUnion failed to correct the erroneous data, demonstrating non-compliance and willful negligence. 
XXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : Reported as delinquent during a deferment period that was fully authorized. 
Violation of Law : Reporting derogatory information during a valid deferment period constitutes a violation of the CARES Act and the FCRA.

Narrative : My federal loan was in deferment during the reported delinquency. I have submitted multiple disputes with documentation, yet TransUnion continues to publish false derogatory marks. 
XXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3800.00} Issue : TransUnion is inaccurately reporting late payments while my account was in active deferment. 
Violation of Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates reinvestigation and correction of disputed inaccuracies. 
Narrative : XXXX has verified my deferment, yet TransUnion refuses to update or remove the inaccurate information. This is causing me reputational and financial damage, particularly in loan application rejections. 
XXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : False reporting of late payments, which contradicts forbearance records Ive provided. 
Violation of Law : FCRA and CARES Act protections were ignored. Reporting negative information during forbearance is deceptive and illegal. 
Narrative : Ive suffered financial harm due to this misinformation, including a denied mortgage pre-approval. My dispute has been ignored and the data remains unchanged despite my evidence. 
XXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3700.00} Issue : The account reflects inaccurate late payment reporting. I was under hardship forbearance at the time, which I documented. 
Violation of Law : The FCRAs duty to ensure maximum accuracy ( Section 607 ( b ) ) and proper reinvestigation ( Section 611 ) were not followed.

Narrative : TransUnion has shown disregard for federally mandated borrower protections. Their reporting has directly caused credit score damage and emotional distress. 
XXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$160.00} Issue : Late payment entries are false, as payments were either current or in a temporary COVID-related deferment. 
Violation of Law : This is a violation of the FCRA and CARES Act protections under Section 4021.

Narrative : TransUnion 's failure to align with federal guidance during the pandemic has led to false reporting and negative consequences in my credit profile. Despite providing proof, no action was taken to fix it. 
Conclusion : I am submitting this CFPB complaint due to TransUnions ongoing failure to fulfill its legal obligations under the FCRA and related consumer protection laws. Despite my formal disputes, TransUnion continues to report false addresses and misrepresents multiple XXXX student loan accounts with inaccurate late payments. These errors are severely impacting my credit profile, financial access, and mental well-being. I request immediate reinvestigation and permanent deletion of the inaccurate address and all XXXX late payment entries from my credit report.

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