Consumer complaint received 2025-07-04 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 submitting this complaint to bring to your attention serious and repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, by TransUnion. My credit report contains inaccurate, outdated, and unverifiable information, including wrong addresses and multiple accounts with incorrect derogatory notations that continue to damage my financial standing and mental peace. I have previously sent a dispute to TransUnion, and despite ample time, they have failed to take corrective action. I am listing below each error along with the specific issues and corresponding legal violations Wrong Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is incorrectly reported on my credit profile. I have never lived at this address nor used it for any financial or identification purposes Law : Reporting inaccurate personal information violates FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information Story : Despite multiple efforts to correct personal information on my credit report, TransUnion has failed to remove this inaccurate address, which leads to misidentification and mixed files Account : XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3000.00} Status : Charge Off Issue : This charge-off is inaccurately reported and not validated with documentation Law : FCRA 1681i ( a ) ; furnisher did not provide proper investigation records. FDCPA 809 ( b ) also requires validation of debt Story : I have never received any written notice or verification regarding this account. Reporting it as a charge-off without proper validation violates my consumer rights Account : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$840.00} Status : Late Payment Issue : The late payment record is inaccurate and unverifiable Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) ; inaccurate or obsolete information must not be furnished Story : I never missed any payments on this account. XXXX XXXX has failed to provide proof of the alleged delinquency when requested through prior disputes Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1600.00} Status : Late Payment Issue : The late payment record is incorrect and harms my creditworthiness Law : FCRA 1681e ( b ) and FDCPA 807 ( 8 ) ; false reporting Story : I had an auto-payment arrangement and was never informed of any missed payments. Reporting these late payments without substantiation is damaging and misleading Account : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1200.00} Status : Late Payment Issue : This account is being reported with incorrect delinquencies Law : FCRA 1681c ( a ) ( 5 ) ; obsolete adverse information must be removed Story : This account was settled and paid on time. TransUnion is reporting false derogatory marks without proper reinvestigation, which violates the FCRA Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$30000.00} Status : Late Payment Issue : Late payment history reported inaccurately Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) ; failure to update and correct information Story : I was affected financially due to XXXX hardship, and my lender agreed to deferments. Despite this, TransUnion reported late payments, disregarding my documentation and lender agreements Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Status : Charge Off Issue : Inaccurate charge-off status without debt validation Law : FDCPA 809 ( a ) and FCRA 1681i ( a ) ; lack of debt verification and failure to reinvestigate Story : I never received any legal notice or collection letter regarding this debt. It is unverified and should not be reported as a charge-off Account : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$5300.00} Status : Charge Off Issue : Incorrect charge-off reporting without verification Law : FCRA 1681e ( b ), 1681i ( a ) ; lack of reasonable investigation Story : This account was disputed earlier. However, TransUnion failed to provide investigation results or documentation. This constitutes willful neglect under the FCRA Account : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$56000.00} Status : Late Payment Issue : Late payments reported inaccurately Law : FCRA 1681s-2 ( b ) ; duty to correct information after notice of dispute Story : The lender had offered a payment accommodation due to declared emergency. TransUnion ignored the updated status and still reports delinquencies Account : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$310.00} Status : Collection Issue : Collection account reported without proper debt validation Law : FDCPA 809 ( b ) and FCRA 1681i ; no verification or investigation proof provided Story : I have never received any bill, notice, or communication from this agency. This collection is fraudulent and severely harms my credit file Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6000.00} Status : Collection Issue : No supporting documentation or validation of debt Law : FCRA 1681i and FDCPA 809 Story : This debt is unfamiliar to me. My requests for verification and dispute resolution were ignored. TransUnion is violating their obligation to investigate disputed accounts Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$390.00} Status : Charge Off Issue : Utility bill reported as charge-off without consumer consent or verification Law : FCRA 1681e ( b ), FDCPA 807 Story : I had closed this account in good standing and there was no outstanding balance. This charge-off is baseless and causes unnecessary harm Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$970.00} Status : Charge Off Issue : No evidence of delinquency or attempts to notify consumer Law : FCRA 1681i ( a ) ; failure to investigate disputed information Story : This is a disputed account and is not mine. It has never been validated, and I am being penalized by TransUnion for a debt that is unverified and possibly fraudulent Conclusion : I am requesting the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate TransUnion 's non-compliance with the FCRA and FDCPA. I have provided clear evidence that TransUnion has reported incorrect personal information, unverifiable accounts, and failed to perform reasonable investigations. These violations have caused me immense emotional distress, credit denials, and financial hardship. I respectfully request that the CFPB hold TransUnion accountable and compel them to : 1. Immediately delete the inaccurate accounts and personal information listed above 2. Provide documentation proving the results of any prior disputes and investigations 3. Cease and desist from reporting unverifiable and inaccurate data on my credit profile 4. Ensure future compliance with FCRA and FDCPA regulations

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